For the quarter ending 2025-12-31, TSBK made $49,642K in revenue. $8,216K in net income. Net profit margin of 16.55%.
| Income Statement | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2024-06-30 |
|---|---|---|---|---|
| Total interest expense | - | - | - | 8,158 |
| Loans receivable and loans held for sale | 22,673 | 21,371 | 21,411 | 19,537 |
| Investment securities | 1,862 | 2,044 | 2,064 | 2,335 |
| Dividends from mutual funds, fhlb stock and other investments | 82 | 84 | 83 | 94 |
| Interest-bearing deposits in banks and cds | 2,578 | 2,078 | 1,986 | 2,173 |
| Total interest and dividend income | 27,195 | 25,578 | 25,544 | 24,139 |
| Deposits | 8,043 | 7,850 | 7,721 | 7,938 |
| Fhlb borrowings | 203 | 201 | 201 | 220 |
| Total interest expense | 8,246 | 8,052 | 7,922 | - |
| Net interest income | 18,949 | 17,526 | 17,622 | 15,981 |
| Provision for credit losses - loans | 16 | 167 | 351 | 264 |
| Recapture of credit losses - investment securities | -2 | -7 | -4 | -12 |
| Recapture of credit losses - unfunded commitments | -49 | 4 | 93 | -8 |
| Total provision for (recapture of) credit losses - net | -35 | 165 | 440 | 244 |
| Net interest income after provision for (recapture of) credit losses | 18,984 | 17,361 | 17,182 | 15,737 |
| Net recoveries on investment securities | -5 | -3 | - | -2 |
| Gain on sales of investment securities, net | - | 6 | - | - |
| Revenue from contract with customer-Deposit Account | 989 | 979 | - | - |
| Revenue from contract with customer-Credit And Debit Card | 1,194 | 1,244 | - | - |
| Revenue from contract with customer | - | - | - | 2,311 |
| Boli net earnings | 158 | 426 | - | 158 |
| Gain on sales of loans, net | 78 | 128 | - | 68 |
| Revenue from contract with customer-Asset Management1 | 24 | 24 | - | - |
| Revenue from contract with customer-Servicing Income On Loans Sold | 53 | 35 | - | - |
| Other, net | 263 | 244 | - | 234 |
| Total non-interest income, net | 2,764 | 3,159 | 2,875 | 2,791 |
| Salaries and employee benefits | 6,453 | 6,032 | 5,825 | 5,928 |
| Premises and equipment | 1,074 | 1,046 | 973 | 1,011 |
| Gain on sales/dispositions of premises and equipment, net | - | 0 | - | - |
| Advertising | 192 | 193 | 182 | 211 |
| Oreo and other repossessed assets, net | 5 | 4 | 8 | - |
| Atm and debit card interchange transaction fees | 582 | 540 | 658 | 580 |
| Postage and courier | 143 | 136 | 137 | 130 |
| Gain on sales/dispositions of premises and equipment, net | - | - | 0 | 3 |
| State and local taxes | 457 | 371 | 570 | 335 |
| Professional fees | 316 | 445 | 341 | 335 |
| Federal deposit insurance corporation ('fdic') insurance | 221 | 213 | 211 | 208 |
| Loan administration and foreclosure | 80 | 134 | 99 | 156 |
| Technology and communications | 1,055 | 1,125 | 993 | 1,086 |
| Deposit operations | 347 | 334 | 345 | 450 |
| Amortization of cdi | 34 | 45 | 45 | 56 |
| Other | 472 | 777 | 780 | 586 |
| Total non-interest expense, net | 11,431 | 11,407 | 11,167 | 11,069 |
| Income before income taxes | 10,317 | 9,114 | 8,890 | 7,459 |
| Provision for income taxes | 2,101 | - | 1,790 | 1,535 |
| Net income | 8,216 | - | 7,100 | 5,924 |
| Basic (in dollars per share) | 1.04 | 0.927 | 0.9 | 0.74 |
| Basic (in shares) | 7,885,656 | 7,961.667 | 7,893,308 | 8,004,552 |
| Diluted (in dollars per share) | 1.04 | 0.923 | 0.9 | 0.74 |
| Diluted (in shares) | 7,923,037 | 10,288 | 7,921,762 | 8,039,345 |
TIMBERLAND BANCORP INC (TSBK)
TIMBERLAND BANCORP INC (TSBK)