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Income Overview

Net Income
$143K
Unit: Thousand (K) dollars
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
12,248
10,030
10,853*
8,565
Interest on investment securities
3,041
2,893
1,215*
598
Dividends on investment securities
65
61
39*
48
Other interest income
1,061
1,740
1,181*
2,332
Total interest and dividend income
16,415
14,724
13,288*
11,543
Interest on deposits
7,053
7,258
7,340*
6,090
Interest on fhlb, frb and correspondent bank borrowings
95
93
96*
0
Interest on senior debt
0
0
178*
105
Interest on subordinated debt
310
297
358*
338
Interest on note payable
0
0
1*
0
Total interest expense
7,458
7,648
7,972*
6,533
Net interest income
8,957
7,076
5,316*
5,010
Provision for credit gaines
590
-181
-134*
-431
Net interest income after credit loss provision
8,367
7,257
5,450*
5,441
Loan application, inspection and processing fees
75
115
247*
111
Deposit fees and service charges
172
306
381*
281
(gain) loss on sales of loans, net
-10
0
697*
-992
Rental income
-
-
23*
65
Loss on sale of investment securities, net
0
-11
0*
0
Digital payments income
2,557
2,788
2,671*
2,684
Other income
294
48
141*
58
Total non-interest income
3,088
3,246
4,159*
2,207
Salaries and benefits
6,338
6,820
5,575*
5,694
Occupancy and equipment expense
1,118
910
797*
766
Data processing expense
207
380
328*
473
Professional and other outside services
2,341
1,570
1,623*
745
Project expenses, net
-
-
0*
-
Advertising and promotional expense
39
44
154*
46
Loan administration and processing expense
95
27
168*
8
Regulatory assessments
607
480
203*
605
Insurance expense, net
210
247
140*
253
Communications, stationary and supplies
472
415
208*
456
Intangible asset impairment
-
-
0*
-
Other operating expense
1,412
1,352
1,497*
1,264
Total non-interest expense
12,839
12,245
10,691*
10,310
Loss before income taxes
-1,384
-1,742
-1,083*
-2,662
Benefit for income taxes
-1,527
13
140*
-5
Net income (loss)
143
-1,755
-1,223
-2,657
Basic EPS
0
-0.02
-0.023
-0.03
Diluted EPS
0
-0.02
-0.023
-0.03
Basic Average Shares
117,479,316
115,275,211
52,376,418
99,937,915
Diluted Average Shares
117,479,316
115,275,211
52,376,418
99,937,915
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Income Statement

Interest and fees on loans$12,248K (34.55%↑ Y/Y)Interest on investmentsecurities$3,041K (454.93%↑ Y/Y)Other interest income$1,061K (-41.22%↓ Y/Y)Dividends on investmentsecurities$65K (71.05%↑ Y/Y)Total interest anddividend income$16,415K (42.81%↑ Y/Y)Benefit for income taxes-$1,527K (-3016.33%↓ Y/Y)Net interest income$8,957K (113.87%↑ Y/Y)Digital payments income$2,557K (21.30%↑ Y/Y)Other income$294K (83.75%↑ Y/Y)Deposit fees and servicecharges$172K (-64.24%↓ Y/Y)Loan application,inspection and processing...$75K (-28.57%↓ Y/Y)Total interestexpense$7,458K (2.08%↑ Y/Y)Net income (loss)$143K (102.86%↑ Y/Y)Loss before incometaxes-$1,384K (72.59%↑ Y/Y)Net interest incomeafter credit loss...$8,367K (214.08%↑ Y/Y)Total non-interestincome$3,088K (52.12%↑ Y/Y)Provision for creditgaines$590K (-61.29%↓ Y/Y)(gain) loss on sales ofloans, net-$10K (98.96%↑ Y/Y)Interest on deposits$7,053K (3.83%↑ Y/Y)Interest on subordinateddebt$310K (-5.20%↓ Y/Y)Interest on fhlb, frb andcorrespondent bank borrowings$95K (3066.67%↑ Y/Y)Total non-interestexpense$12,839K (31.76%↑ Y/Y)Salaries and benefits$6,338K (20.91%↑ Y/Y)Professional and otheroutside services$2,341K (123.80%↑ Y/Y)Other operatingexpense$1,412K (10.83%↑ Y/Y)Occupancy and equipmentexpense$1,118K (45.76%↑ Y/Y)Regulatory assessments$607K (45.56%↑ Y/Y)Communications, stationary andsupplies$472K (35.63%↑ Y/Y)Insurance expense, net$210K (50.00%↑ Y/Y)Data processingexpense$207K (-54.30%↓ Y/Y)Loan administrationand processing...$95K (630.77%↑ Y/Y)Advertising and promotionalexpense$39K (-11.36%↓ Y/Y)

PATRIOT NATIONAL BANCORP INC (PNBK)

PATRIOT NATIONAL BANCORP INC (PNBK)