Financial insights of THFF

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Loans, including related fees	67,070	64,775
Taxable	5,985	5,915
Tax-exempt	2,689	2,622
Other	900	865
Total interest income	76,644	74,177
Deposits	18,002	18,495
Short-term borrowings	1,916	1,398
Other borrowings	2,123	1,613
Total interest expense	22,041	21,506
Net interest income	54,603	52,671
Provision for credit losses	1,950	1,950
Net interest income after provision for credit losses	52,653	50,721
Trust and financial services	1,278	1,490
Service charges and fees on deposit accounts	8,104	7,554
Other service charges and fees	251	256
Securities gains (losses), net	24	-3
Interchange income	176	180
Loan servicing fees	338	326
Gain on sales of mortgage loans	494	430
Other	484	148
Total non-interest income	11,149	10,381
Salaries and employee benefits	19,788	19,689
Occupancy expense	2,738	2,472
Equipment expense	4,811	4,587
Fdic expense	690	795
Other	10,021	10,733
Total non-interest expense	38,048	38,276
Income before income taxes	25,754	22,826
Provision for income taxes	4,992	4,240
Net income	20,762	18,586
Change in unrealized gains (losses) on securities, net of reclassifications and taxes	19,596	2,946
Change in funded status of post retirement benefits, net of taxes	-3	-2
Comprehensive income	40,361	21,534

Basic EPS	1.75	1.57
Diluted EPS	1.75	1.57
Basic Average Shares	11,851,000	11,851,000
Diluted Average Shares	11,851,000	11,851,000

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