| 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 |
| Net income per common share (basic) (in dollars per share) | 1.01 | 0.75 | 0.62 | 0.66 |
| Weighted average shares outstanding (basic) (in shares) | 3,144,755 | 3,186,000 | 3,195,368 | 3,219,539 |
SECURITY FEDERAL CORP (SFDL)
SECURITY FEDERAL CORP (SFDL)