Financial insights of NECB

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Loans	38,281	36,740
Interest-earning deposits	716	1,027
Securities	282	272
Total interest income	39,279	38,039
Deposits	11,929	12,053
Borrowings	1,401	902
Financing lease	10	10
Total interest expense	13,340	12,965
Net interest income	25,939	25,074
Net interest income after provision for (reversal of) credit loss	25,939	25,074
Other loan fees and service charges	-638	-611
Earnings on bank owned life insurance	177	170
Unrealized gain on equity securities	170	51
Other	29	26
Total non-interest income	1,014	858
Salaries and employee benefits	5,416	5,650
Occupancy expense	738	743
Equipment	225	253
Outside data processing	814	758
Advertising	115	123
Real estate owned expense	238	247
Other	2,805	2,734
Total non-interest expenses	10,351	10,508
Income before provision for income taxes	16,602	15,424
Provision for income taxes	4,737	4,254
Net income	11,865	11,170

Basic EPS	0.9	0.85
Diluted EPS	0.87	0.82
Basic Average Shares	13,252,000	13,216,000
Diluted Average Shares	13,632,000	13,568,000

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