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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.

Time Plot

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

Income Statement

Loans$11,032K (4.13%↑ Y/Y)Taxable investmentsecurities$8,125K (9.84%↑ Y/Y)Other$858K (-40.87%↓ Y/Y)Tax-exempt investmentsecurities$116K (30.34%↑ Y/Y)Total interest income$20,131K (3.07%↑ Y/Y)Net interest income$12,079K (16.03%↑ Y/Y)(reversal of) provisionfor credit losses-$200K (-134.48%↓ Y/Y)Fees income-Atm AndCredit Card$801K Trust income$492K (-31.76%↓ Y/Y)Other$358K (125.16%↑ Y/Y)Fees income-DepositAccount$312K Gain on sale of loans$257K (22.38%↑ Y/Y)Commissions from insuranceagency$228K (-8.06%↓ Y/Y)Boli income$186K (4.49%↑ Y/Y)Total interestexpense$8,052K (-11.72%↓ Y/Y)Net interest incomeafter (reversal of)...$12,279K (24.91%↑ Y/Y)Total non-interestincome$2,634K (0.34%↑ Y/Y)Deposits$7,734K (-0.26%↓ Y/Y)Subordinated debentures$131K (-62.36%↓ Y/Y)Frb and otherborrowings$105K (-88.64%↓ Y/Y)Junior subordinateddebentures$82K (-13.68%↓ Y/Y)Income before incometaxes$4,561K (45.16%↑ Y/Y)Total non-interestexpense$10,352K (11.16%↑ Y/Y)Net income$3,588K (48.88%↑ Y/Y)Provision for income taxes$973K (32.92%↑ Y/Y)Compensation and employeebenefits$6,007K (12.09%↑ Y/Y)Other$1,316K (10.31%↑ Y/Y)Occupancy$936K (17.00%↑ Y/Y)Debit card expense$467K (20.36%↑ Y/Y)Data processing$404K (15.10%↑ Y/Y)Depreciation and maintenanceof equipment$394K (32.66%↑ Y/Y)Cloud services$241K (-19.40%↓ Y/Y)Consulting$216K (25.58%↑ Y/Y)Advertising$199K (-21.65%↓ Y/Y)Fdic insurancepremiums$172K (-14.00%↓ Y/Y)Net incomeavailable to common...$3,173K (59.05%↑ Y/Y)Preferred stock dividends$415K (0.00%↑ Y/Y)

SECURITY FEDERAL CORP (SFDL)

SECURITY FEDERAL CORP (SFDL)