Financial insights of FCBC

MyFinsight

For the quarter ending 2025-09-30.

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.

MyFinsight

Income Overview

Net Income
$12,266K
EPS
$0.67
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$12,266K
EPS
$0.67
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$12,266KEPS$0.67Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$12,266KEPS$0.67Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$12,266K
EPS
$0.67
Unit: Thousand (K) dollars

Net Income
$12,266K
EPS
$0.67
Unit: Thousand (K) dollars