| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 18,386 | 18,067 | ||
| Taxable | 3,917 | 3,970 | ||
| Tax-exempt | 353 | 355 | ||
| Interest on interest-bearing balances and other interest income | 862 | 718 | ||
| Interest on long-term debt | - | 67 | ||
| Total interest income | 23,518 | 23,110 | ||
| Interest-bearing demand | 2,630 | 2,315 | ||
| Money market | 1,852 | 1,862 | ||
| Savings | 899 | 901 | ||
| Time less than 100 | 1,583 | 1,617 | ||
| Time of 100 through 250 | 1,545 | 1,542 | ||
| Time greater than 250 | 560 | 527 | ||
| Interest on short-term borrowings | 514 | 689 | ||
| Interest on subordinated debt | 937 | 938 | ||
| Total interest expense | 10,520 | 10,458 | ||
| Net interest income | 12,998 | 12,652 | ||
| (reversal) provision for credit losses | 93 | -146 | ||
| Net interest income after (reversal) provision for credit losses | 12,905 | 12,798 | ||
| Fees for services to customers | 521 | 485 | ||
| Atm and debit card | 776 | 724 | ||
| Retail brokerage and advisory | 196 | 140 | ||
| Bank-owned life insurance | 86 | 81 | ||
| Merchant | 79 | 82 | ||
| Net gain (loss) on sale of loans | 41 | 4 | ||
| Other | 148 | 136 | ||
| Total non-interest income | 1,847 | 1,652 | ||
| Salaries and employee benefits | 5,248 | 5,251 | ||
| Net occupancy | 569 | 546 | ||
| Furniture and equipment | 1,119 | 1,135 | ||
| Marketing | 214 | 250 | ||
| Third party services | 833 | 788 | ||
| Telephone, postage and supplies | 127 | 120 | ||
| State taxes | 278 | 236 | ||
| Fdic insurance premiums | 243 | 269 | ||
| Merger-related expenses | 519 | - | ||
| Other | 1,032 | 967 | ||
| Total non-interest expense | 10,182 | 9,562 | ||
| Income before income taxes | 4,570 | 4,888 | ||
| Provision for income taxes | 922 | 1,005 | ||
| Net income | 3,648 | 3,883 | ||
| Denominator for diluted earnings per share - adjusted weighted average shares outstanding | 3,735,993 | 3,724,808 | ||
| Earnings per share, basic, total | 0.98 | 1.05 | ||
| Earnings per share, diluted, total | 0.98 | 1.04 | ||
| Weighted average number of shares outstanding, basic, total | 3,721,501 | 3,710,878 | ||
QNB CORP. (QNBC)
QNB CORP. (QNBC)