<span item_type="fundamental" item_id="9c6dc3a3abfce3cbe2e69a9f75eb1f59" counter_id="ST/US/FDSB" env="prod"></span><span item_type="announcement" item_id="515757682480716673" env="prod"></span><p>EPS: As of FY2025 Q1, the actual value is USD 0.02.</p><p>EBIT: As of FY2025 Q1, the actual value is USD 99.</p><p></p><h3>Financial Metrics by Segment</h3><h4>Segment Revenue</h4><ul><li><strong>Interest and Dividend Income</strong>: Increased by $909,000, or 21.0%, to $5.2 million for the three months ended March 31, 2025, compared to $4.3 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li><strong>Net Income</strong>: $78,000 for the three months ended March 31, 2025, compared to a net loss of $1.1 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li><li><strong>Net Interest Income</strong>: Increased by $889,000, or 43.4%, to $2.9 million for the three months ended March 31, 2025, compared to $2.0 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li><li><strong>Non-Interest Income</strong>: Totaled $262,000 for the three months ended March 31, 2025, an increase of $1.2 million, or 129.2%, from a loss of $897,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li><li><strong>Non-Interest Expense</strong>: Increased by $416,000, or 15.5%, to $3.1 million for the three months ended March 31, 2025, compared to $2.7 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li></ul><h4>Cash Flow</h4><ul><li><strong>Net Cash Provided by Operating Activities</strong>: $823,000 for the three months ended March 31, 2025, compared to a net cash used of $770,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li><li><strong>Net Cash Used in Investing Activities</strong>: - $10,531,000 for the three months ended March 31, 2025, compared to net cash provided of $12,680,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li><li><strong>Net Cash Provided by Financing Activities</strong>: $1,895,000 for the three months ended March 31, 2025, compared to $5,409,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li></ul><h4>Unique Metrics</h4><ul><li><strong>Loans Receivable, Net</strong>: Increased by $9.0 million, or 2.5%, to $376.3 million at March 31, 2025, from $367.3 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li><li><strong>Deposits</strong>: Increased by $2.9 million, or 0.7%, to $394.4 million at March 31, 2025, from $391.5 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li></ul><h4>Future Outlook and Strategy</h4><ul><li><strong>Core Business Focus</strong>: The company aims to maintain a strong liquidity position and anticipates sufficient funds to meet current funding commitments. It plans to continue growing core deposit accounts and managing the investment securities portfolio to reduce the average maturity and effective life of the portfolio.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li><li><strong>Non-Core Business</strong>: No specific plans related to divestitures or emerging segments were mentioned in the report.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/2012726/000155837025007593/fdsb-20250331x10q.htm"></span></li></ul>

Fifth District Bancorp | 10-Q: FY2025 Q1 EPS: USD 0.02