Financial insights of SSBK

MyFinsight

For the quarter ending 2025-03-31.

Income Statement	2025-03-31	2024-09-30	2024-06-30
Provision for credit losses	775	2,583	1,067
Net interest income	24,879	24,246	21,579
Net interest income after provision for credit losses	24,104	21,663	20,512
Service charges on deposit accounts	564	532	462
Other operating income	949	868	732
Mortgage origination fees	80	112	92
Net gain (loss) on securities	23	75	20
Swap (expenses) fees	-3	-9	4
Sba/usda fees	40	179	58
Total noninterest income	1,653	1,757	1,368
Other operating expenses	3,216	3,291	3,571
Salaries and employee benefits	6,924	6,876	6,112
Merger-related expenses	-	1,511	-
Data processing fees	909	781	686
Regulatory assessments	429	414	375
Equipment and occupancy expenses	828	814	667
Total noninterest expenses	12,306	13,687	11,411
Income before income taxes	13,451	9,733	10,469
Income tax expense	3,100	2,380	2,271
Net income	10,351	7,353	8,198

Basic EPS	1.04	0.76	0.91
Diluted EPS	1.03	0.76	0.9
Basic Average Shares	9,979,120	9,608,868	8,957,608
Diluted Average Shares	10,072,329	9,725,884	9,070,568

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