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Income Overview
Revenue
$2,681K
Net Income
$7,494K
Net Profit Margin
279.52%
EPS
$0.53
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Revenue-Fiduciary And Trust
2,681
2,539
2,661*
2,588
Revenue-Deposit Account
1,727
1,485
1,656*
1,935
Net losses on sales of debt securities, available-for-sale
-
-
0*
0
Bank-owned life insurance income
366
359
362
361
Net gains from sales of loans
420
200
763
718
Other operating income
159
110
160
102
Total non-interest income
5,353
4,693
5,601
5,704
Interest and fees on loans
24,345
23,433
23,131
24,163
With a readily determinable fair value
12
11
7*
12
Without a readily determinable fair value
20
26
54*
25
Taxable
1,207
1,196
1,195
1,212
Non-taxable
144
146
158
160
Other investments
604
618
642
733
Total interest income
26,332
25,430
25,187
26,305
Interest on deposits
5,220
5,281
5,613
6,857
Interest on long-term debt
1,321
1,256
1,318
1,321
Interest on short-term borrowings
0
46
0
1
Total interest expense
6,541
6,583
6,931
8,179
Net interest income
19,791
18,847
18,256
18,126
Provision for credit losses
276
2,339
1,510
211
Net interest income after provision for credit losses
19,515
16,508
16,746
17,915
Salaries and employee benefits
8,959
9,467
8,770
8,682
Occupancy expense, net
993
1,021
936
1,015
Equipment expenses
338
392
384
380
State financial institutions tax
447
447
382
432
Marketing
315
294
291
336
Amortization of intangibles
228
225
230
247
Computer maintenance and supplies
434
405
1,576*
-
Fdic insurance premiums, net
327
275
338
359
Contracted services
1,058
979
911
880
Merger-related expenses
0
-
-70*
0
Other non-interest expense
2,576
2,375
1,640
2,814
Total non-interest expense
15,675
15,880
15,388
15,145
Income before income taxes
9,193
5,321
6,959
8,474
Provision for income taxes
1,699
877
1,303
1,538
Net income
7,494
4,444
5,656
6,936
Basic EPS
0.53
0.31
0.401
0.49
Diluted EPS
0.53
0.31
0.401
0.49
Basic Average Shares
14,157,834
14,125,191
14,111,028
14,097,414
Diluted Average Shares
14,157,834
14,125,191
14,111,028
14,097,414
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$24,345K
(2.13%↑ Y/Y)
Taxable
$1,207K
(-0.49%↓ Y/Y)
Other investments
$604K
(-12.59%↓ Y/Y)
Non-taxable
$144K
(-10.56%↓ Y/Y)
Without a readily
determinable fair value
$20K
(-20.00%↓ Y/Y)
With a readily
determinable fair value
$12K
(9.09%↑ Y/Y)
Total interest income
$26,332K
(1.52%↑ Y/Y)
Net interest income
$19,791K
(12.83%↑ Y/Y)
Revenue-Fiduciary And Trust
$2,681K
(18.52%↑ Y/Y)
Revenue-Deposit Account
$1,727K
(-8.33%↓ Y/Y)
Net gains from sales
of loans
$420K
(-31.71%↓ Y/Y)
Bank-owned life insurance
income
$366K
(3.68%↑ Y/Y)
Other operating
income
$159K
(18.66%↑ Y/Y)
Total interest
expense
$6,541K
(-22.11%↓ Y/Y)
Net interest income
after provision for...
$19,515K
(11.37%↑ Y/Y)
Total non-interest
income
$5,353K
(2.00%↑ Y/Y)
Provision for credit
losses
$276K
(1433.33%↑ Y/Y)
Interest on deposits
$5,220K
(-26.68%↓ Y/Y)
Interest on long-term
debt
$1,321K
(3.36%↑ Y/Y)
Income before income
taxes
$9,193K
(27.61%↑ Y/Y)
Total non-interest
expense
$15,675K
(0.69%↑ Y/Y)
Net income
$7,494K
(26.61%↑ Y/Y)
Provision for income taxes
$1,699K
(32.22%↑ Y/Y)
Salaries and employee
benefits
$8,959K
(0.98%↑ Y/Y)
Other non-interest
expense
$2,576K
(-10.93%↓ Y/Y)
Contracted services
$1,058K
(23.17%↑ Y/Y)
Occupancy expense, net
$993K
(-2.84%↓ Y/Y)
State financial
institutions tax
$447K
(-0.45%↓ Y/Y)
Computer maintenance and
supplies
$434K
Equipment expenses
$338K
(-8.89%↓ Y/Y)
Fdic insurance
premiums, net
$327K
(-13.95%↓ Y/Y)
Marketing
$315K
(12.10%↑ Y/Y)
Amortization of intangibles
$228K
(-24.25%↓ Y/Y)
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