Financial insights of MSBB

MyFinsight

For the quarter ending 2025-12-31.

Income Overview

Net Income
$171,270
EPS
$0.18
Unit: Dollar

Income Statement	2025-12-31	2025-09-30	2025-06-30
Loans	2,192,413	2,082,770*	2,241,947
Investment securities	83,536	86,391*	83,546
Interest-bearing deposits and other	63,957	58,003*	77,138
Total interest income	2,339,906	2,227,164*	2,402,631
Deposits	550,387	461,445*	461,381
Federal home loan bank advances	42,233	274,064*	172,531
Total interest expense	592,620	735,509*	633,912
Net interest income	1,747,286	1,491,655*	1,768,719
Provision for credit gaines	-	-48,000*	38,000
Net interest income after provision for credit losses	1,747,286	1,539,655*	1,730,719
Service fees on deposits	62,915	142,821.5*	30,079
Late charges and fees on loans	40,010	39,255*	28,152
Gain on sale of loans	-	20*	8,968
Loan servicing fees	7,286	16,078*	6,344
Loss on sale of investments	-12,088	-	-
Gain on sale of foreclosed assets	528	1,745.5*	-
Bank owned life insurance	12,206	-2,601*	16,625
Other income	3,917	24,979*	4,014
Total noninterest income	114,774	222,298*	94,182
Salaries and employee benefits	759,099	593,483*	703,457
Directors fees	22,800	15,600*	22,800
Occupancy and equipment	168,971	142,900*	137,800
Data processing fees	197,480	363,295*	164,271
Franchise taxes	34,040	32,814*	35,959
Fdic insurance premiums	18,836	20,471*	20,169
Professional services	146,321	191,419*	114,544
Deposit account services expense	36,475	131,888*	19,181
Advertising	28,158	27,984*	21,722
Loan expenses	60,408	97,978*	55,534
Other	180,702	198,168*	102,224
Total noninterest expense	1,653,290	1,816,000*	1,397,661
Income before income taxes	208,770	-54,047*	427,240
Provision for income taxes	37,500	-25,258*	93,542
Net income	171,270	-28,789	333,698

Basic EPS	0.18	-0.03	0.36
Diluted EPS	0.18	-0.03	0.36
Basic Average Shares	956,482	950,821	931,299
Diluted Average Shares	971,316	960,958	936,828

MyFinsight

Income Overview

Net Income
$171,270
EPS
$0.18
Unit: Dollar

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income
$171,270
EPS
$0.18
Unit: Dollar

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$171,270EPS$0.18Unit: Dollar

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$171,270EPS$0.18Unit: Dollar

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$171,270
EPS
$0.18
Unit: Dollar

Net Income
$171,270
EPS
$0.18
Unit: Dollar