| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 8,565 | 9,103 | ||
| Interest on investment securities | 598 | 548 | ||
| Dividends on investment securities | 48 | 38 | ||
| Other interest income | 2,332 | 1,805 | ||
| Total interest and dividend income | 11,543 | 11,494 | ||
| Interest on deposits | 6,090 | 6,793 | ||
| Interest on fhlb, frb and correspondent bank borrowings | 0 | 3 | ||
| Interest on senior debt | 105 | 183 | ||
| Interest on subordinated debt | 338 | 327 | ||
| Interest on note payable | 0 | 0 | ||
| Total interest expense | 6,533 | 7,306 | ||
| Net interest income | 5,010 | 4,188 | ||
| (recovery of) provision and credit loss expense | -431 | 1,524 | ||
| Net interest income after (recovery of) provision and credit loss expense | 5,441 | 2,664 | ||
| Loan application, inspection and processing fees | 111 | 105 | ||
| Deposit fees and service charges | 281 | 481 | ||
| (loss) gain on sales of loans, net | -992 | -959 | ||
| Rental income | 65 | 135 | ||
| Loss on sale of investment securities, net | 0 | 0 | ||
| Digital payments income | 2,684 | 2,108 | ||
| Other income | 58 | 160 | ||
| Total non-interest income | 2,207 | 2,030 | ||
| Salaries and benefits | 5,694 | 5,242 | ||
| Occupancy and equipment expense | 766 | 767 | ||
| Data processing expense | 473 | 453 | ||
| Professional and other outside services | 745 | 1,046 | ||
| Advertising and promotional expense | 46 | 44 | ||
| Loan administration and processing expense | 8 | 13 | ||
| Regulatory assessments | 605 | 417 | ||
| Insurance expense, net | 253 | 140 | ||
| Communications, stationary and supplies | 456 | 348 | ||
| Other operating expense | 1,264 | 1,274 | ||
| Total non-interest expense | 10,310 | 9,744 | ||
| Loss before income taxes | -2,662 | -5,050 | ||
| (benefit) provision for income taxes | -5 | -49 | ||
| Net loss | -2,657 | -5,001 | ||
| Basic loss per share (usd per share) | -0.03 | -0.06 | ||
| Diluted loss per share (usd per share) | -0.03 | -0.06 | ||
| Weighted average diluted shares outstanding (in shares) | 99,937,915 | 78,123,095 | ||
| Weighted average shares outstanding (in shares) | 99,937,915 | 78,123,095 | ||
PATRIOT NATIONAL BANCORP INC (PNBK)
PATRIOT NATIONAL BANCORP INC (PNBK)