Financial insights of LSBK

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30	2024-09-30
Interest-earning deposits & federal funds sold	-	-	716
Loans, including fees	8,193	8,469	7,730
Investment securities, taxable	166	151	188
Investment securities, tax-exempt	199	217	217
Interest-earning deposits	793	270	-
Total interest income	9,351	9,107	8,851
Finance lease and other	-	-	10
Deposits	2,966	2,948	3,319
Long-term debt	18	28	139
Finance lease	-	9	-
Finance lease and other	12	-	-
Total interest expense	2,996	2,985	3,468
Net interest income	6,355	6,122	5,383
Credit to provision for credit losses	-269	0	-229
Net interest income after credit to provision for credit losses	6,624	6,122	5,612
Service charges and fees	276	273	-
Debit card fees	198	201	-
Service charges and fees	-	-	496
Earnings on bank-owned life insurance	469	221	287
Unrealized gain (loss) on equity securities	79	65	-4
Recovery on previously impaired investment securities	1	1	1
Earnings on annuity assets	24	23	-
Other	18	16	11
Total non-interest income	1,065	800	791
Salaries and employee benefits	2,855	2,854	2,742
Occupancy and equipment	630	615	680
Data processing	514	457	436
Professional services	303	251	361
Telephone and communications	76	79	-
Fdic insurance	78	74	130
Postage and supplies	94	57	62
Advertising	18	15	11
Other	275	223	391
Total non-interest expense	4,843	4,625	4,813
Income before income taxes	2,846	2,297	1,590
Income tax expense	487	378	258
Net income	2,359	1,919	1,332

Basic EPS	0.32	0.34	0.24
Diluted EPS	0.32	0.34	0.24
Basic Average Shares	7,386,783	5,667,176	5,638,836
Diluted Average Shares	7,395,351	5,669,972	5,638,836

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