hfbl: the income statement

MyFinsight

For the year ending 2025-06-30, HFBL made $31,972K in revenue. $3,888K in net income. Net profit margin of 12.16%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-06-30
Provision for income tax expense	-766
Other income	208
Gain on sale of loans	384
(loss) gain on sale of securities	-6
Income on bank owned life insurance	116
Service charges on deposit accounts	1,568
Loss on sale of real estate	-265
Total non-interest income	2,005
Franchise and bank shares tax	439
Professional fees	495
Other expenses	974
Occupancy and equipment	2,354
Loan and collection	134
Compensation and benefits	8,940
Deposit insurance premium	347
Data processing	1,439
Amortization core deposit intangible	284
Advertising	145
Audit and examination fees	597
Total non-interest expense	-16,148
Provision for (recovery of) credit losses	126
Other bank borrowings	350
Federal home loan bank borrowings	-
Deposits	11,441
Total interest expense	-11,791
Other interest-earning assets	850
Investment securities	325
Mortgage-backed securities	1,941
Loans, including fees	27,346
Total interest income	30,462
Net interest income	18,671
Net interest income after provision for credit losses	18,797
Income before income taxes	4,654
Net income	3,888

Basic (in dollars per share)	1.27
Diluted (in dollars per share)	1.26
Weighted average number of common shares and dilutive potential common shares used in dilutive eps (in shares)	3,078,367
Weighted average number of common shares used in basic eps (in shares)	3,054,254

Unit: Thousand (K) dollars (except for numbers of shares and EPS)