Financial insights of PBBK

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Loans, including fees	5,319	5,238	5,166	4,847*
Securities	333	370	338	356*
Other	625	650	463	573*
Total interest and dividend income	6,277	6,258	5,967	5,776*
Deposits	2,526	2,617	2,532	2,693*
Borrowings	374	368	365	407*
Total interest expense	2,900	2,985	2,897	3,099*
Net interest income	3,377	3,273	3,070	2,677*
Provision for credit losses	-5	40	61	-113*
Net interest income after provision for credit losses	3,382	3,233	3,009	2,790*
Revenue under 606	-	-	186	608*
Revenue under 606-Deposit Account	40	51	-	-
Gain (loss) on equity securities	8	3	12	-45*
Bank owned life insurance income	57	56	56	55*
Revenue under 606-Debit Card	59	55	-	-
Revenue under 606-Financial Service Other	12	14	-	-
Revenue under 606-Other Noninterest	67	102	-	-
Total noninterest income	243	281	254	617*
Salaries and employee benefits	1,449	1,553	1,470	1,349*
Occupancy and equipment	206	191	226	205*
Data and item processing	226	231	227	282*
Merger expenses	335	-	-	-
Advertising and marketing	31	39	33	70*
Professional fees	150	178	204	268*
Directors' fees	108	106	107	108*
Fdic insurance premiums	55	46	48	41*
Pennsylvania shares tax	88	87	88	80*
Debit card expenses	39	38	35	46*
Other	208	233	223	194*
Total noninterest expenses	2,895	2,702	2,661	2,640*
Income before income tax expense	730	812	602	767*
Income tax expense	211	172	129	156*
Net income	519	640	473	611

Basic EPS	0.22	0.28	0.2	0.26
Diluted EPS	0.22	0.27	0.2	0.26
Basic Average Shares	2,307,241	2,307,171	2,306,553	2,348,825
Diluted Average Shares	2,403,151	2,351,588	2,333,785	2,349,959

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