Financial insights of EBC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	1,009,336
Taxable interest and dividends on securities	131,272
Non-taxable interest and dividends on securities	8,058
Interest on federal funds sold and other short-term investments	15,568
Total interest and dividend income	1,164,234
Interest on deposits	332,404
Interest on borrowings	3,245
Total interest expense	335,649
Net interest income	828,585
Provision for allowance for loan losses	26,200
Net interest income after provision for allowance for loan losses	802,385
Investment advisory fees	69,921
Service charges on deposit accounts	35,035
Card income	18,260
Interest rate swap income	3,755
Income from investments held in rabbi trusts	9,963
Mortgage banking income (loss)	2,877
Losses on sales of securities available for sale, net	-269,638
Miscellaneous income and fees	23,038
Other non-operating income (loss)	853
Total noninterest (loss) income	-105,936
Salaries and employee benefits	336,040
Occupancy and equipment	45,553
Technology and data processing	78,619
Professional services	14,641
Marketing expenses	9,626
Fdic insurance	14,642
Amortization of intangible assets	34,179
Other operating expenses	24,486
Non-operating expenses	39,157
Total noninterest expense	596,943
Income (loss) before income tax expense (benefit)	99,506
Income tax expense (benefit)	11,287
Net income (loss) from continuing operations	88,219
Income from discontinued operations, net of taxes	0
Net income	88,219

Basic EPS	0.43
Diluted EPS	0.43
Basic Average Shares	203,174,651
Diluted Average Shares	204,335,650