Financial insights of HFBL

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	7,361	7,339	7,271	6,838*
Investment securities	8	9	13	81*
Mortgage-backed securities	572	552	542	485*
Other interest-earning assets	74	163	184	213*
Total interest income	8,015	8,063	8,010	7,617*
Deposits	2,533	2,613	2,673	2,861*
Federal home loan bank borrowings	13	-	-	0*
Other bank borrowings	62	73	76	88*
Total interest expense	2,608	2,686	2,749	2,948*
Net interest income	5,407	5,377	5,261	4,669*
Provision for (recovery of) credit losses	269	109	43	-31*
Net interest income after provision for credit losses	5,138	5,268	5,218	4,700*
Loss on sale of real estate	-10	-8	-	-66*
Gain on sale of loans	129	130	146	96*
Loss on sale of securities	0	-	0	-1*
Income on bank owned life insurance	28	30	28	29*
Service charges on deposit accounts	424	436	423	392*
Other income	50	50	53	52*
Total non-interest income	621	638	650	501*
Compensation and benefits	2,161	2,101	2,150	2,235*
Occupancy and equipment	607	558	568	589*
Data processing	350	318	336	360*
Audit and examination fees	113	110	69	149*
Franchise and bank shares tax	120	54	135	110*
Advertising	31	24	29	36*
Professional fees	136	150	85	124*
Loan and collection	35	35	42	34*
Amortization of core deposit intangible	57	64	67	71*
Deposit insurance premium	104	84	93	87*
Other expenses	255	295	277	244*
Total non-interest expense	3,969	3,793	3,851	4,037*
Income before income taxes	1,790	2,113	2,017	1,164*
Provision for income tax expense	318	438	418	192*
Net income	1,472	1,675	1,599	972

Basic EPS	0.49	0.55	0.53	0.318
Diluted EPS	0.48	0.54	0.52	0.316
Basic Average Shares	3,017,000	3,023,000	3,008,000	3,054,254
Diluted Average Shares	-	-	-	3,078,367

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.