Financial insights of SFDL

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$3,173K
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Loans	11,032	11,099	10,594	10,029
Taxable investment securities	8,125	6,891	7,397	7,474
Tax-exempt investment securities	116	34	89	150
Other	858	1,425	1,451	1,168
Total interest income	20,131	19,449	19,531	18,821
Deposits	7,734	7,834	7,754	7,306
Frb and other borrowings	105	90	924	891
Subordinated debentures	131	131	348	348
Junior subordinated debentures	82	82	95	95
Total interest expense	8,052	8,137	9,121	8,640
Net interest income	12,079	11,312	10,410	10,181
(reversal of) provision for credit losses	-200	0	580	175
Net interest income after (reversal of) provision for credit losses	12,279	11,312	9,830	10,006
Net gain on sale of investments	0	22	37	-
Gain on sale of loans	257	253	210	231
Fees income-Deposit Account	312	306	-	-
Commissions from insurance agency	228	197	248	172
Fees income	-	-	1,072	1,086
Trust income	492	474	721	534
Boli income	186	179	178	173
Fees income-Atm And Credit Card	801	815	-	-
Other	358	349	159	258
Total non-interest income	2,634	2,595	2,625	2,454
Compensation and employee benefits	6,007	5,856	5,359	5,524
Occupancy	936	936	800	812
Data processing	-	-	-	338
Advertising	199	198	254	226
Depreciation and maintenance of equipment	394	401	297	526
Fdic insurance premiums	172	181	200	172
Consulting	216	195	172	145
Debit card expense	467	550	388	398
Data processing	404	404	351	-
Cloud services	241	239	299	-
Other	1,316	1,401	1,193	1,528
Total non-interest expense	10,352	10,361	9,313	9,669
Income before income taxes	4,561	3,546	3,142	2,791
Provision for income taxes	973	756	732	565
Net income	3,588	2,790	2,410	2,226
Preferred stock dividends	415	415	415	97
Net income available to common shareholders	3,173	2,375	1,995	2,129

Basic EPS	1.01	0.75	0.62	0.66
Basic Average Shares	3,144,755	3,186,000	3,195,368	3,219,539

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

MyFinsight

Income Overview

Net Income
$3,173K
Unit: Thousand (K) dollars

Time Plot

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Income Statement

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Income Overview

Net Income
$3,173K
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$3,173KUnit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$3,173KUnit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$3,173K
Unit: Thousand (K) dollars

Net Income
$3,173K
Unit: Thousand (K) dollars