Financial insights of KRNY

MyFinsight

For the quarter ending 2025-12-31.

Income Statement	2025-12-31	2025-09-30	2025-06-30
Loans	67,410	68,349	65,749*
Taxable investment securities	11,623	12,600	13,312*
Tax-exempt investment securities	35	41	59*
Other interest-earning assets	1,584	1,518	2,001*
Total interest income	80,652	82,508	81,120*
Deposits	33,148	33,931	35,064*
Borrowings	9,535	10,873	12,319*
Total interest expense	42,683	44,804	47,383*
Net interest income	37,969	37,704	33,737*
Provision for credit losses	567	-82	592*
Net interest income after provision for credit losses	37,402	37,786	33,145*
Loss on sale of other real estate owned	-	-	0*
Fees and service charges	1,295	892	623*
Gain on sale of loans	224	199	202*
Loss on sale and call of securities	-	-	0*
Income from bank owned life insurance	2,710	2,689	2,668*
Electronic banking fees and charges	473	416	429*
Other income	869	1,651	842*
Total non-interest income	5,571	5,847	4,763*
Salaries and employee benefits	18,373	18,745	17,718*
Net occupancy expense of premises	2,888	3,307	2,881*
Equipment and systems	4,007	3,974	3,926*
Goodwill impairment	-	-	0*
Advertising and marketing	412	562	469*
Federal deposit insurance premium	1,357	1,301	1,478*
Directors' compensation	306	307	339*
Other expense	3,848	3,470	3,348*
Total non-interest expense	31,191	31,666	30,158*
Income before income taxes	11,782	11,967	7,750*
Income tax expense	2,333	2,461	1,231*
Net income	9,449	9,506	6,519

Basic EPS	0.15	0.15	0.104
Diluted EPS	0.15	0.15	0.104
Basic Average Shares	62,858,000	62,741,000	62,508,000
Diluted Average Shares	63,061,000	62,951,000	62,716,000

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