Financial insights of ESQ

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans held for investment	119,576
Securities, includes restricted stock	12,598
Interest earning cash and other	7,243
Total interest income	139,417
Savings, now and money market deposits	17,652
Time deposits	280
Borrowings	4
Total interest expense	17,936
Net interest income	121,481
Provision for credit losses	9,675
Net interest income after provision for credit losses	111,806
Payment processing fees	20,215
Administrative service income	2,995
Net gain on equity investments	432
Customer related fees, service charges and other	1,438
Total noninterest income	25,080
Employee compensation and benefits	42,314
Occupancy and equipment	4,907
Professional and consulting services	5,498
Fdic and regulatory assessments	1,118
Advertising and marketing	3,614
Travel and business relations	1,650
Data processing	8,458
Other operating expenses	3,675
Total noninterest expense	71,234
Net income before income taxes	65,652
Income tax expense	14,830
Net income	50,822

Basic EPS	6.3
Diluted EPS	5.87
Basic Average Shares	8,061,589
Diluted Average Shares	8,662,219