Financial insights of BCML

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Service charges and other fees	3,536
Gain on sale of loans	268
(loss) gain on equity securities	-230
Loan servicing and other loan fees	1,725
(loss) gain on investment in small business investment company ('sbic') fund	-278
Other income and fees	1,065
Total noninterest income	6,086
Loans, including fees	114,134
Investment securities	9,418
Fed funds sold and interest-bearing balances in banks	10,272
Fhlb dividends	1,004
Frb dividends	561
Total interest and dividend income	135,389
Deposits	36,819
Subordinated debt	3,354
Junior subordinated deferrable interest debentures	762
Total interest expense	40,935
Net interest income	94,454
Provision for credit losses	4,068
Net interest income after provision for credit losses	90,386
Salaries and employee benefits	40,223
Occupancy and equipment	8,591
Data processing	7,867
Other expense	7,174
Total noninterest expense	63,855
Income before provision for income taxes	32,617
Provision for income taxes	8,686
Net income	23,931

Basic EPS	2.18
Diluted EPS	2.18
Basic Average Shares	10,990,547
Diluted Average Shares	10,990,547