Financial insights of AUB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	1,615,937
Interest on deposits in other banks	26,117
Taxable	145,547
Nontaxable	33,886
Total interest and dividend income	1,821,487
Interest on deposits	615,537
Interest on short-term borrowings	6,639
Interest on long-term borrowings	44,398
Total interest expense	666,574
Net interest income	1,154,913
Provision for credit losses	141,788
Net interest income after provision for credit losses	1,013,125
Service charges on deposit accounts	46,484
Other service charges, commissions and fees	8,058
Interchange fees	14,477
Fiduciary and asset management fees	62,863
Mortgage banking income	8,689
Loss on sale of securities	-81
Bank owned life insurance income	21,020
Loan-related interest rate swap fees	18,425
Other operating income	39,501
Total noninterest income	219,436
Salaries and benefits	402,081
Occupancy expenses	48,166
Furniture and equipment expenses	22,124
Technology and data processing	61,939
Professional services	29,312
Marketing and advertising expense	18,827
Fdic assessment premiums and other insurance	30,053
Franchise and other taxes	18,875
Loan-related expenses	6,676
Amortization of intangible assets	59,668
Merger-related costs	157,278
Other expenses	40,571
Total noninterest expenses	895,570
Income before income taxes	336,991
Income tax expense	63,276
Net income	273,715
Dividends on preferred stock	11,868
Net income available to common shareholders	261,847

Basic EPS	2.03
Diluted EPS	2.03
Basic Average Shares	128,777,445
Diluted Average Shares	129,161,421