mnsb: the income statement

MyFinsight

MainStreet Bancshares, Inc. (MNSB)

For the quarter ending 2025-06-30, MNSB made $538K in revenue. $4,590K in net income. Net profit margin of 853.16%.

Overview

Revenue
$538K
Net Income
$4,590K
Net Profit Margin
853.16%
EPS
$0.53
Unit: Thousand (K) dollars

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

	2025-06-30	2024-09-30	2024-06-30
Deposit account service charges	538	557	490
Other fee income	49	27	140
Gain on retirement of subordinated debt	68	-	-
Gain on equity securities	103	-	-
Bank owned life insurance income	308	302	291
Net loss on securities called or matured	-	-	-48
Total non-interest income	1,066	886	873
Administrative expenses	270	215	229
Other operating expenses	1,186	2,992	2,195
Occupancy expenses	318	407	415
Advertising and marketing	530	579	566
Salaries and employee benefits	8,279	7,250	7,484
Data processing	357	-	-
Fdic insurance	850	-	-
Furniture and equipment expenses	1,141	931	940
Outside services	1,290	845	839
Franchise tax	524	-	-
Total non-interest expense	14,745	13,219	12,668
(recovery of) provision for credit losses - loans	-528	3,125	931
Recovery of credit losses - off-balance sheet credit exposure	-15	-212	-293
Interest on time deposits	8,595	9,543	9,027
Interest on subordinated debt	799	828	820
Interest on money market deposits	4,707	5,277	5,638
Interest on federal funds purchased	-	277	191
Interest on interest-bearing demand deposits	1,004	2,117	2,172
Interest on savings and now deposits	391	206	190
Interest on federal home loan bank advances	-	-	-
Total interest expense	15,496	18,248	18,038
Tax-exempt securities	-	294	268
Taxable securities	-	64	64
Interest on federal funds sold and interest-bearing deposits	-	1,285	1,083
U.s. government agencies	34	-	-
Tax-exempt securities-USStates And Political Subdivisions	267	-	-
Taxable securities-USStates And Political Subdivisions	64	-	-
Mortgage-backed securities	94	85	94
Interest on federal funds sold	213	-	-
Interest on interest-bearing deposits at other financial institutions	932	-	-
Interest and fees on loans	32,443	31,615	31,546
Other	239	248	272
Total interest income	34,286	33,591	33,327
Net interest income	18,790	15,343	15,289
Net interest income after provision for (recovery of) credit losses	19,333	12,430	14,651
Income before income taxes	5,654	97	2,856
Income tax expense	1,064	-168	238
Net income	4,590	265	2,618

Basic and diluted earnings per common share (in dollars per share)	0.53	-0.04	0.27
Diluted (in dollars per share)	0.53	-0.04	0.27
Weighted average number of common shares issued, basic and diluted (in shares)	7,704,677	7,601,925	7,608,389

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

MyFinsight

Overview

Revenue
$538K
Net Income
$4,590K
Net Profit Margin
853.16%
EPS
$0.53
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue
$538K
Net Income
$4,590K
Net Profit Margin
853.16%
EPS
$0.53
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue$538KNet Income$4,590KNet Profit Margin853.16%EPS$0.53Unit: Thousand (K) dollars

Income Statement

Overview

Revenue$538KNet Income$4,590KNet Profit Margin853.16%EPS$0.53Unit: Thousand (K) dollars

Income Statement

Revenue
$538K
Net Income
$4,590K
Net Profit Margin
853.16%
EPS
$0.53
Unit: Thousand (K) dollars

Revenue
$538K
Net Income
$4,590K
Net Profit Margin
853.16%
EPS
$0.53
Unit: Thousand (K) dollars