Financial insights of BANC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans and leases	1,440,397
Investment securities	153,326
Deposits in financial institutions	82,930
Total interest income	1,676,653
Deposits	558,440
Borrowings	78,761
Subordinated debt	62,066
Total interest expense	699,267
Net interest income	977,386
Provision for credit losses	70,600
Net interest income after provision for credit losses	906,786
Leased equipment income	47,717
Other commissions and fees	38,637
Service charges on deposit accounts	19,146
(loss) gain on sale of loans and leases	-115
Loss on sale of securities	0
Dividends and gains on equity investments	7,992
Warrant income (loss)	1,726
Locom hfs adjustment	-9
Other income	27,045
Total noninterest income (loss)	142,139
Compensation	349,506
Insurance and assessments	32,750
Customer related expense	105,425
Occupancy	60,624
Information technology and data processing	55,458
Leased equipment depreciation	26,393
Other professional services	23,087
Loan expense	16,372
Intangible asset amortization	28,267
Acquisition, integration and reorganization costs	0
Goodwill impairment	0
Other expense	37,968
Total noninterest expense	735,850
Earnings (loss) before income taxes	313,075
Income tax expense (benefit)	84,102
Net earnings (loss)	228,973
Preferred stock dividends, income statement impact	39,788
Net income (loss) available to common stockholders, basic	189,185

Basic EPS	1.18
Diluted EPS	1.17
Basic Average Shares	151,329,000
Diluted Average Shares	152,096,000