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Income Overview
Net Income
$10,019K
EPS
$0.75
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
Interest and fees on loans
29,839
28,103
Taxable
2,641
2,731
Tax exempt
506
561
Interest on federal funds sold and other
1,542
1,829
Total interest income
34,528
33,224
Savings and now accounts
5,496
5,256
Time deposits
852
2,222
Fhlb advances
616
375
Subordinated notes
617
231
Total interest expense
7,581
8,084
Net interest income
26,947
25,140
Provision for credit losses - loans
3,876
2,113
Net interest income after provision for credit losses
23,071
23,027
Service charges on deposit accounts
377
334
Trust income
1,578
1,573
Investment advisory income
1,957
1,823
Investment securities gains(losses), net
159
-727
Gain on sale of assets
-
1,236
Earnings on bank owned life insurance
190
234
Proceeds from bank owned life insurance benefit
1,191
2,399
Other
1,335
444
Total noninterest income
6,787
7,316
Salaries
7,378
6,813
Employee benefits
2,419
2,338
Occupancy expense
1,280
1,299
Professional fees
1,380
1,666
Directors' fees and expenses
314
319
Computer software expense
1,785
2,117
Fdic assessment
330
330
Advertising expenses
481
481
Advisor expenses related to trust income
22
22
Telephone expenses
220
203
Intangible amortization
71
72
Other
1,160
1,094
Total noninterest expense
16,840
16,754
Income before income taxes
13,018
13,589
Provision for income taxes
2,999
3,128
Net income
10,019
10,461
Basic EPS
0.75
0.87
Diluted EPS
0.75
0.87
Basic Average Shares
13,337,890
11,994,815
Diluted Average Shares
13,337,890
11,994,815
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
$29,839K
Taxable
$2,641K
Interest on federal funds
sold and other
$1,542K
Tax exempt
$506K
Total interest income
$34,528K
Net interest income
$26,947K
Investment advisory income
$1,957K
Trust income
$1,578K
Other
$1,335K
Proceeds from bank owned
life insurance...
$1,191K
Service charges on
deposit accounts
$377K
Earnings on bank owned
life insurance
$190K
Investment securities
gains(losses), net
$159K
Total interest
expense
$7,581K
Net interest income
after provision for...
$23,071K
Total noninterest
income
$6,787K
Provision for credit
losses - loans
$3,876K
Savings and now accounts
$5,496K
Time deposits
$852K
Subordinated notes
$617K
Fhlb advances
$616K
Income before income
taxes
$13,018K
Total noninterest
expense
$16,840K
Net income
$10,019K
Provision for income taxes
$2,999K
Salaries
$7,378K
Employee benefits
$2,419K
Computer software
expense
$1,785K
Professional fees
$1,380K
Occupancy expense
$1,280K
Other
$1,160K
Advertising expenses
$481K
Fdic assessment
$330K
Directors' fees and
expenses
$314K
Telephone expenses
$220K
Intangible amortization
$71K
Advisor expenses
related to trust income
$22K
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Orange County Bancorp, Inc. DE (OBT)
Orange County Bancorp, Inc. DE (OBT)