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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Net Income
$20,363K
EPS
$0.49
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
Interest and fees on loans
118,822
112,931
Taxable interest income
17,571
16,857
Tax-exempt interest income
1,114
1,116
Other, principally overnight investments
6,693
5,837
Total interest income
144,200
136,741
Interest on deposits
40,035
38,405
Interest on borrowings
1,676
1,660
Total interest expense
41,711
40,065
Net interest income
102,489
96,676
Provision for credit losses
3,442
2,212
Net interest income after provision for credit losses
99,047
94,464
Service charges on deposit accounts
4,225
3,976
Other service charges and fees
6,355
6,595
Presold mortgage loan fees and gains on sale
471
315
Commissions from sales of financial products
1,678
1,388
Sba loan sale gains
869
151
Bank-owned life insurance income
1,289
1,221
Securities losses, net
-27,905
0
Other income, net
139
695
Total noninterest income
-12,879
14,341
Salaries, incentives and commissions expense
31,065
29,005
Employee benefit expense
5,751
6,187
Total personnel expense
36,816
35,192
Occupancy and equipment expense
5,145
5,195
Intangibles amortization expense
1,394
1,468
Other operating expenses
16,856
17,128
Total noninterest expenses
60,211
58,983
Income before income taxes
25,957
49,822
Income tax expense
5,594
11,256
Net income
20,363
38,566
Basic EPS
0.49
0.93
Diluted EPS
0.49
0.93
Basic Average Shares
41,237,874
41,168,260
Diluted Average Shares
41,481,542
41,441,393
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$118,822K
Taxable interest income
$17,571K
Other, principally
overnight investments
$6,693K
Tax-exempt interest income
$1,114K
Total interest income
$144,200K
Net interest income
$102,489K
Total interest
expense
$41,711K
Net interest income
after provision for...
$99,047K
Provision for credit
losses
$3,442K
Interest on deposits
$40,035K
Interest on borrowings
$1,676K
Income before income
taxes
$25,957K
Total noninterest
expenses
$60,211K
Total noninterest
income
-$12,879K
Other service charges
and fees
$6,355K
Service charges on
deposit accounts
$4,225K
Commissions from sales of
financial products
$1,678K
Bank-owned life insurance
income
$1,289K
Sba loan sale gains
$869K
Presold mortgage loan
fees and gains on sale
$471K
Other income, net
$139K
Net income
$20,363K
Income tax expense
$5,594K
Total personnel
expense
$36,816K
Other operating
expenses
$16,856K
Occupancy and equipment
expense
$5,145K
Intangibles amortization
expense
$1,394K
Securities losses, net
-$27,905K
Salaries, incentives and
commissions expense
$31,065K
Employee benefit expense
$5,751K
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FIRST BANCORP NC (FBNC)
FIRST BANCORP NC (FBNC)