Financial insights of BHRB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Fiduciary and wealth management-Fiduciary And Trust	10,455
Service charges and fees-Service Other	8,197
Net gains (losses) on securities	147
Income from company-owned life insurance	8,130
Bank debit and other card revenue	12,264
Other non-interest income	6,917
Total non-interest income	46,110
Taxable loans, including fees	382,794
Tax-exempt loans, including fees	180
Taxable securities	36,807
Tax-exempt securities	17,364
Other interest income	7,848
Total interest income	444,993
Deposits	121,969
Short-term borrowings	16,480
Subordinated debt	10,527
Other interest expense	105
Total interest expense	149,081
Net interest income	295,912
Credit loss expense (recapture) - loans and available-for-sale securities	2,326
Credit loss expense (recapture) - off-balance sheet credit exposures	-803
Total provision for (recapture of) credit losses	1,523
Net interest income after credit loss expense	294,389
Salaries and wages	83,441
Pensions and other employee benefits	18,521
Occupancy	14,441
Equipment rentals, depreciation and maintenance	15,825
Core deposit intangible amortization	15,553
Atm, card, and network expense	4,753
Fdic and other regulatory assessments	3,904
Other operating	39,123
Total non-interest expense	195,561
Income before income taxes	144,938
Total	27,632
Net income	117,306
Preferred stock dividends	900
Net income applicable to common shares	116,406

Basic EPS	7.76
Diluted EPS	7.72
Basic Average Shares	15,006,614
Diluted Average Shares	15,073,859