Financial insights of BSRR

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Realized gain (losses) on available-for-sale securities	-	66
Service charges and fees on deposit accounts-Deposit Account	23,488	-
Net (loss) gain on sale of securities available-for-sale	120	-2,681
Service charges and fees on deposit accounts	-	24,173
Net (loss) gain on sale of fixed assets	-52	3,783
Increase in cash surrender value of life insurance	2,608	2,650
Other income	4,425	3,530
Total noninterest income	30,589	31,521
Total interest expense	-	52,319
Loans, including fees	127,957	114,264
Taxable securities	35,771	48,682
Tax-exempt securities	6,359	6,743
Federal funds sold and other	1,301	2,659
Total interest income	171,388	172,348
Deposits	36,497	43,355
Federal funds purchased and repurchase agreements	2,275	462
Federal home loan bank advances	3,611	3,812
Long-term debt	1,718	1,721
Subordinated debentures	2,601	2,969
Total interest expense	46,702	-
Net interest income	124,686	120,029
Credit loss expense - loans	6,095	4,593
Credit loss (benefit) expense - debt securities held-to-maturity	-	-1
Credit loss expense (benefit) - unfunded commitments	-	-200
Net interest income after credit loss expense	118,591	115,237
Salaries and employee benefits	51,056	50,338
Occupancy and equipment	12,536	12,374
Other	29,245	30,178
Total noninterest expense	92,837	92,890
Income before taxes	56,343	53,868
Provision for income taxes	14,016	13,308
Net income	42,327	40,560

Basic EPS	3.14	2.84
Diluted EPS	3.11	2.82
Basic Average Shares	13,496,560	14,284,401
Diluted Average Shares	13,593,119	14,396,021