Financial insights of CFR

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Loans, including fees	1,383,694	1,375,442
Taxable	488,257	396,224
Tax-exempt	239,259	218,177
Interest-bearing deposits	308,751	397,414
Federal funds sold	196	270
Resell agreements	590	3,110
Total interest income	2,420,747	2,390,637
Deposits	533,265	629,107
Federal funds purchased	1,079	1,556
Repurchase agreements	137,908	141,833
Junior subordinated deferrable interest debentures	7,689	8,872
Subordinated notes	4,657	4,657
Total interest expense	684,598	786,025
Net interest income	1,736,149	1,604,612
Credit loss expense	44,202	64,985
Net interest income after credit loss expense	1,691,947	1,539,627
Trust and investment management fees	177,097	165,270
Service charges on deposit accounts	121,572	106,230
Insurance commissions and fees	65,502	61,269
Interchange and card transaction fees	22,858	21,017
Other charges, commissions and fees	57,511	53,348
Net gain (loss) on securities transactions	-850	-96
Other	55,405	52,060
Total non-interest income	499,095	459,098
Salaries and wages	674,647	621,394
Employee benefits	146,101	122,446
Net occupancy	136,940	128,751
Technology, furniture and equipment	165,744	148,487
Deposit insurance	18,752	37,269
Other	277,156	244,411
Total non-interest expense	1,419,340	1,302,758
Income before income taxes	771,702	695,967
Income taxes	123,145	113,425
Net income	648,557	582,542
Preferred stock dividends	6,675	6,675
Net income available to common shareholders	641,882	575,867

Basic EPS	9.92	8.88
Diluted EPS	9.92	8.87
Basic Average Shares	64,054,228	64,120,455
Diluted Average Shares	64,099,238	64,262,646