Financial insights of PFSB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Revenue-Commission Income	33	-
Revenue-Customer Service Fees	448	-
Net realized gain on loan sales	6	7
Revenue	-	473
Loan servicing fees	58	65
Other	383	340
Total noninterest income	928	885
Loans, including fees	5,793	4,738
Taxable	1,740	1,563
Tax-exempt	532	549
Dividends	19	21
Other	855	1,143
Total interest and dividend income	8,939	8,014
Deposits	3,296	2,982
Net interest income	5,643	5,032
Provision for credit losses	148	165
Net interest income after provision for credit losses	5,495	4,867
Salaries and employee benefits	2,486	2,332
Occupancy	327	279
Depreciation	130	151
Data processing	453	545
Professional fees	398	383
Marketing	145	142
Printing and office supplies	70	67
Deposit insurance premiums	156	171
Other	182	575
Total noninterest expense	4,347	4,645
Income before income taxes	2,076	1,107
Provision for income taxes	405	202
Net income	1,671	905

Basic EPS	1.1	0.57
Diluted EPS	1.09	0.57
Basic Average Shares	1,518,727	1,594,547
Diluted Average Shares	1,532,780	1,594,547