Financial insights of HONE

MyFinsight

For the quarter ending 2025-06-30.

Income Statement	2025-06-30
Changes in mortgage servicing rights fair value	-1,123
Other	2,293
Gain on sale of mortgage loans	3,378
Total mortgage banking income	4,548
Other income	1,372
Bank-owned life insurance income	762
Deposit account fees	5,418
Income on retirement plan annuities	121
Total noninterest income	12,221
Interest on deposits	27,976
Interest on borrowings	4,409
Total interest expense	32,385
Other interest and dividend income	2,266
Interest on securities	2,125
Interest and fees on loans	60,790
Interest on loans held for sale	419
Total interest and dividend income	65,600
Net interest and dividend income	33,215
Provision for credit losses	739
Net interest and dividend income, after provision for credit losses	32,476
Postage and printing	396
Professional fees	1,284
Other expenses	2,093
Occupancy and equipment	4,268
Marketing	865
Loan expenses	414
Compensation and benefits	18,789
Data processing	2,622
Merger expenses	1,704
Deposit insurance	914
Deposit expenses	721
Total noninterest expense	34,070
Income before income taxes	10,627
Income tax provision	2,569
Net income	8,058

Basic EPS	0.2
Diluted EPS	0.2
Basic Average Shares	39,924,977
Diluted Average Shares	40,117,837

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