For the three months ended

(In thousands)

March 31, 2025

March 31, 2024

Service charges on deposit accounts

Insufficient funds fees

$

208

$

179

Deposit related fees

148

109

ATM fees

18

21

Total service charges on deposit accounts

374

309

Fee Income

Insurance agency revenue

-

397

Investment services revenue

101

142

ATM fees surcharge

73

50

Banking house rents collected

61

55

    Total fee income

235

644

Card income

Debit card interchange fees

1

119

Merchant card fees

11

12

    Total card income

12

131

Mortgage fee income and realized gains on sales of loans
and foreclosed real estate

Loan servicing fees

101

88

Net gains on sales of loans and foreclosed real estate

65

18

Total mortgage fee income and realized gains on sales of   
   loans and foreclosed real estate

166

106

Total

787

1,190

Earnings and gains on bank owned life insurance

162

157

Net realized losses on sales and redemptions of investment securities

(8

)

(148

)

Net realized gains on sales of marketable equity securities

218

108

Non-recurring gain on lease renegotiations

-

245

Other miscellaneous income

38

185

Total noninterest income

$

1,197

$

1,737