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Income Overview

Net Income
$12,266K
EPS
$0.67
Unit: Thousand (K) dollars
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-12-31
Interest and fees on loans
30,805
30,637
30,669
32,649*
Interest on securities -- taxable
977
945
1,147
1,883*
Interest on securities -- tax-exempt
73
84
91
122*
Interest on deposits in banks
3,844
3,722
3,262
969*
Total interest income
35,699
35,388
35,169
35,622*
Interest on deposits
4,402
4,731
4,871
4,403*
Interest on short-term borrowings
0
0
-
9*
Total interest expense
4,402
4,731
4,871
4,412*
Net interest income
31,297
30,657
30,298
31,210*
Noninterest income-Deposit Account
-
4,120
-
-
Provision for credit losses
0
-285
321
1,341*
Noninterest income-Financial Service Other
-
3,791
-
-
Net interest income after provision for credit losses
31,297
30,942
29,977
29,869*
Noninterest income-Fiduciary And Trust
1,371
1,222
-
-
Noninterest income-Deposit Account
4,520
-
-
-
Noninterest income
-
-
8,338
8,003*
Noninterest income-Financial Service Other
3,847
-
-
-
Other operating income
1,151
1,207
1,891
1,697*
Litigation expense
-
-
-
-3,600*
Total noninterest income
10,889
10,340
10,229
9,699*
Salaries and employee benefits
14,351
14,349
13,335
15,972*
Occupancy expense
1,508
1,290
1,576
1,418*
Furniture and equipment expense
1,502
1,587
1,575
1,477*
Service fees
2,728
2,475
2,484
2,310*
Advertising and public relations
939
1,154
1,055
1,011*
Professional fees
293
360
372
392*
Amortization of intangibles
433
526
524
532*
Fdic premiums and assessments
362
361
362
370*
Merger expenses
787
-
-
-
Litigation expense
0
0
-
-
Other operating expense
3,376
3,353
3,661
3,076*
Total noninterest expense
26,279
25,455
24,944
22,956*
Income before income taxes
15,907
15,827
15,262
16,612*
Income tax expense
3,641
3,581
3,444
3,586*
Net income
12,266
12,246
11,818
13,026
Basic EPS
0.67
0.67
0.64
0.707
Diluted EPS
0.67
0.67
0.64
0.704
Basic Average Shares
18,314,865
18,295,465
18,324,760
18,424,924
Diluted Average Shares
18,400,289
18,400,793
18,451,321
18,508,835
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Income Statement

Interest and fees on loans$30,805K (-4.09%↓ Y/Y)Interest on deposits inbanks$3,844K (3.84%↑ Y/Y)Interest on securities --taxable$977K (1.66%↑ Y/Y)Interest on securities --tax-exempt$73K (-33.03%↓ Y/Y)Total interest income$35,699K (-3.23%↓ Y/Y)Net interest income$31,297K (-0.94%↓ Y/Y)Noninterest income-DepositAccount$4,520K Noninterestincome-Financial Service Other$3,847K Noninterestincome-Fiduciary And Trust$1,371K Other operatingincome$1,151K (-43.10%↓ Y/Y)Total interestexpense$4,402K (-16.91%↓ Y/Y)Net interest incomeafter provision for...$31,297K (3.52%↑ Y/Y)Total noninterestincome$10,889K (4.18%↑ Y/Y)Interest on deposits$4,402K (-16.91%↓ Y/Y)Income before incometaxes$15,907K (-3.65%↓ Y/Y)Total noninterestexpense$26,279K (8.69%↑ Y/Y)Net income$12,266K (-5.89%↓ Y/Y)Income tax expense$3,641K (4.75%↑ Y/Y)Salaries and employeebenefits$14,351K (9.31%↑ Y/Y)Other operatingexpense$3,376K (-7.61%↓ Y/Y)Service fees$2,728K (10.85%↑ Y/Y)Occupancy expense$1,508K (18.74%↑ Y/Y)Furniture and equipmentexpense$1,502K (-4.57%↓ Y/Y)Advertising and publicrelations$939K (-2.90%↓ Y/Y)Merger expenses$787K Amortization of intangibles$433K (-19.22%↓ Y/Y)Fdic premiums andassessments$362K (-0.82%↓ Y/Y)Professional fees$293K (32.58%↑ Y/Y)

FIRST COMMUNITY BANKSHARES INC VA (FCBC)

FIRST COMMUNITY BANKSHARES INC VA (FCBC)