VWF Bancorp Income Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Interest Income on Loans	12.19	8.62	4.84	2.87	2.73
Interest Income on Investments	10.02	10.52	7.18	2.18	0.47
Total Interest Income	22.21	19.15	12.02	5.05	3.2
Interest Paid on Deposits	11.57	10.45	5.05	0.76	0.32
Interest Paid on Borrowings	0.91	0.87	1.68	0.03	0
Total Interest Expense	12.48	11.31	6.73	0.78	0.32
Net Interest Income	9.74	7.83	5.3	4.27	2.88
Net Interest Income Growth	24.32%	47.85%	23.92%	48.65%	8.19%
Gain (Loss) on Sale of Assets	-0.01	-0.01	0	-	-
Gain (Loss) on Sale of Investments	0.2	-2.26	-0	-	-0.29
Other Non-Interest Income	0.41	0.29	0.23	0.21	0.22
Total Non-Interest Income	0.63	-1.98	0.23	0.21	-0.07
Non-Interest Income Growth	-	-	9.62%	-	-
Revenues Before Loan Losses	10.36	5.85	5.52	4.48	2.8
Provision for Loan Losses	0.31	0.78	0.62	0.04	-
Revenue	10.05	5.07	4.91	4.44	2.8
Revenue Growth	97.95%	3.45%	10.45%	58.60%	-2.47%
Salaries and Employee Benefits	5.25	4.33	3.51	3.02	1.49
Occupancy Expenses	0.83	0.77	0.47	0.28	0.18
Federal Deposit Insurance	0.46	0.44	0.14	0.05	0.03
Selling, General & Administrative	2.18	2.47	2.18	1.14	0.61
Other Non-Interest Expense	1.15	1.31	1.17	0.67	0.53
Total Non-Interest Expense	9.87	9.32	7.48	5.17	2.84
EBT Excluding Unusual Items	0.18	-4.25	-2.57	-0.73	-0.04
Pretax Income	0.18	-4.25	-2.57	-0.73	-0.04
Income Tax Expense	0	-0.95	-0.55	-0.18	-0.03
Net Income	0.17	-3.3	-2.02	-0.55	-0.01
Net Income to Common	0.17	-3.3	-2.02	-0.55	-0.01
Net Income Growth	-	-	-	-	-
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change	0.95%	-0.70%	-0.24%	-7.79%	-
EPS (Basic)	0.10	-1.88	-1.14	-0.31	-0.00
EPS (Diluted)	0.10	-1.88	-1.14	-0.31	-0.00
EPS Growth	-	-	-	-	-

Additional Metrics

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Effective Tax Rate	2.02%	-	-	-	-