Financial insights of SBFG

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Taxable	16,449	16,059
Tax exempt	117	116
Taxable	1,097	1,133
Tax exempt	35	35
Other interest income	1,111	1,124
Total interest income	18,809	18,467
Deposits	5,721	5,597
Repurchase agreements & other	28	21
Federal home loan bank advance expense	369	366
Trust preferred securities expense	162	161
Subordinated debt expense	195	194
Total interest expense	6,475	6,339
Net interest income	12,334	12,128
Provision (benefit) for credit losses - loans	300	300
Provision (benefit) for unfunded commitments	176	-297
Total provision for credit losses	124	597
Net interest income after provision for credit losses	12,210	11,531
Wealth management fees	912	859
Customer service fees	887	886
Gain on sale of mortgage loans & omsr	1,328	1,566
Mortgage loan servicing fees, net	158	594
Gain on sale of non-mortgage loans	8	82
Title insurance income	544	582
Other income	407	479
Total noninterest income	4,244	5,048
Salaries and employee benefits	6,198	6,595
Net occupancy expense	801	793
Equipment expense	1,188	1,121
Data processing fees	723	888
Professional fees	863	892
Marketing expense	174	190
Telephone and communications	123	125
Postage and delivery expense	157	107
State, local and other taxes	268	268
Employee expense	255	176
Other expense	748	697
Total noninterest expense	11,498	11,852
Income before income tax	4,956	4,727
Provision for income taxes	910	875
Net income	4,046	3,852

Basic EPS	0.64	0.6
Diluted EPS	0.64	0.6
Basic Average Shares	6,297,000	6,448,000
Diluted Average Shares	6,311,000	6,459,000

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