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| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Interest and fees on loans held for investment | $55.8M+2.0% | $54.7M+14.1% | $48.0M+39.9% | $34.3M |
| Interest from loans held for sale | $135K-16.7% | $162K+84.1% | $88K-17.0% | $106K |
| Interest from money market funds and federal funds sold | $2.3M+52.9% | $1.5M+515.0% | $246K+29.5% | $190K |
| Interest and dividends on interest bearing deposits and other investments | $238K-49.4% | $470K-93.9% | $7.7M | — |
| Interest from debt securities | $9.3M+21.6% | $7.6M+1849.6% | $391K-94.8% | $7.6M |
| Total interest and dividend income | $67.8M+5.1% | $64.5M+14.3% | $56.4M+33.9% | $42.1M |
| Total interest on deposits | $25.6M-9.2% | $28.2M+33.0% | $21.2M+270.0% | $5.7M |
| Interest from short-term debt | $5K-99.7% | $1.9M-38.5% | $3.0M+298.6% | $760K |
| Interest from long-term debt | $597K+28.9% | $463K+0.9% | $459K-38.8% | $750K |
| Total interest expense | $26.2M-14.2% | $30.6M+23.7% | $24.7M+241.0% | $7.2M |
| Net Interest Income | $41.5M+22.4% | $33.9M+7.0% | $31.7M-9.1% | $34.9M |
| Provision for Credit Losses | $2.7M+15.3% | $2.3M+128.6% | $1.0M+18.4% | $866K |
| Net Interest Income After Provision for Credit Losses | $38.8M+22.9% | $31.6M+3.0% | $30.7M-9.8% | $34.0M |
| Service charges on deposit accounts | $1.3M+8.3% | $1.2M+15.9% | $1.0M-3.1% | $1.1M |
| Wealth management income | $2.2M+2.8% | $2.2M+26.7% | $1.7M | — |
| Mortgage banking income | $1.9M-22.2% | $2.5M+26.2% | $2.0M-34.8% | $3.0M |
| Title insurance income | $1.9M+25.2% | $1.5M+11.6% | $1.3M-15.5% | $1.6M |
| Income on bank owned life insurance | $787K+4.9% | $750K-35.3% | $1.2M+65.5% | $701K |
| Low-income housing partnership losses | -$786K+0.0% | -$786K+4.3% | -$821K-0.5% | -$817K |
| ATM and check card fees | $1.3M+19.4% | $1.1M-10.2% | $1.3M-3.7% | $1.3M |
| Gain on sale of limited partnership investment | $98K | $0-100.0% | $232K-93.9% | $3.8M |
| Other operating income | $386K+10.9% | $348K-25.5% | $467K-46.8% | $877K |
| Total noninterest income | $11.2M+3.8% | $10.8M+6.4% | $10.1M-10.4% | $11.3M |
| Salaries | $16.0M+3.9% | $15.4M-18.5% | $18.9M+11.3% | $17.0M |
| Employee benefits | $3.9M+31.7% | $3.0M-27.9% | $4.1M-14.1% | $4.8M |
| Occupancy expense | $1.5M-0.1% | $1.5M+9.0% | $1.4M+1.1% | $1.4M |
| Equipment expense | $1.2M-8.2% | $1.3M+1.9% | $1.3M+19.0% | $1.1M |
| FDIC assessment | $943K-9.4% | $1.0M+31.8% | $790K+40.3% | $563K |
| Legal and professional expense | $2.1M+20.1% | $1.8M+7.0% | $1.7M+5.4% | $1.6M |
| ATM and check card fees | $1.3M+19.4% | $1.1M-10.2% | $1.3M-3.7% | $1.3M |
| Data processing fees | $3.7M+1.3% | $3.7M+26.0% | $2.9M | — |
| Other operating expenses | $6.2M+11.3% | $5.6M+29.8% | $4.3M+24.9% | $3.4M |
| Total noninterest expense | $37.0M+7.5% | $34.4M-11.2% | $38.8M+6.2% | $36.5M |
| Income before income taxes | $13.0M+63.8% | $7.9M+291.3% | $2.0M-77.0% | $8.8M |
| Income tax expense | $1.7M+174.0% | $638K+185.5% | -$746K-255.4% | $480K |
| Net income | $11.2M+54.1% | $7.3M+162.9% | $2.8M-66.7% | $8.3M |
| Net income (basic and diluted) | $3K+52.7% | $2K+158.8% | $800-66.8% | $2K |
| Cash dividends on common stock | $1K+0.0% | $1K+0.0% | $1K+0.0% | $1K |
| Weighted average common shares outstanding (basic and diluted) | $3.55B+1.2% | $3.51B+1.0% | $3.48B+0.8% | $3.45B |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
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