hfbl: the income statement

MyFinsight

For the quarter ending 2025-09-30, HFBL made $15,260K in revenue. $1,599K in net income. Net profit margin of 10.48%.

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

Income Statement	2025-09-30
Loans, including fees	7,271
Investment securities	13
Mortgage-backed securities	542
Other interest-earning assets	184
Total interest income	8,010
Deposits	2,673
Other bank borrowings	76
Total interest expense	2,749
Net interest income	5,261
Provision for (recovery of) credit losses	43
Net interest income after provision for credit losses	5,218
Gain on sale of loans	146
Loss on sale of real estate	0
Income on bank owned life insurance	28
Service charges on deposit accounts	423
Other income	53
Total non-interest income	650
Compensation and benefits	2,150
Occupancy and equipment	568
Data processing	336
Audit and examination fees	69
Franchise and bank shares tax	135
Advertising	29
Professional fees	85
Loan and collection	42
Amortization core deposit intangible	67
Deposit insurance premium	93
Other expenses	277
Total non-interest expense	3,851
Income before income taxes	2,017
Provision for income tax expense (benefit)	418
Net income	1,599

Basic (in dollars per share)	0.53
Diluted (in dollars per share)	0.52
Weighted average shares outstanding (in shares)	3,008,000