Financial insights of PBFS

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Loans	23,860	22,332
Securities	3,792	3,942
Interest-earning deposits with banks and other	635	732
Total interest and dividend income	28,287	27,006
Deposits	7,022	6,844
Borrowings and other	1,062	554
Total interest expense	8,084	7,398
Net interest income	20,203	19,608
Provision for credit losses	785	1,550
Net interest income after provision for credit losses	19,418	18,058
Bank fees and service charges	1,549	1,609
Insurance and wealth management services	2,225	2,513
Other	41	684
Total noninterest income	3,815	4,806
Salaries and employee benefits	8,556	8,506
Net occupancy and equipment	1,856	1,840
Data processing	1,057	894
Advertising and marketing	239	306
Insurance premiums	248	245
Federal deposit insurance corporation insurance premiums	230	226
Professional fees	1,927	1,845
Other	3,511	865
Total noninterest expense	17,624	14,727
Income before income taxes	5,609	8,137
Income tax expense	1,279	1,686
Net income	4,330	6,451

Basic EPS	0.18	0.26
Diluted EPS	0.18	0.26
Basic Average Shares	24,470,461	24,510,936
Diluted Average Shares	24,593,205	24,567,328

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