| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Interest and fees on loans | 30,805 | 30,637 | 30,669 | 32,120 |
| Interest on securities -- taxable | 977 | 945 | 1,147 | 961 |
| Interest on securities -- tax-exempt | 73 | 84 | 91 | 109 |
| Interest on deposits in banks | 3,844 | 3,722 | 3,262 | 3,702 |
| Total interest income | 35,699 | 35,388 | 35,169 | 36,892 |
| Interest on deposits | 4,402 | 4,731 | 4,871 | 5,298 |
| Interest on short-term borrowings | 0 | 0 | - | - |
| Total interest expense | 4,402 | 4,731 | 4,871 | 5,298 |
| Net interest income | 31,297 | 30,657 | 30,298 | 31,594 |
| Noninterest income-Deposit Account | - | 4,120 | - | - |
| Provision for credit losses | 0 | -285 | 321 | 1,360 |
| Noninterest income-Financial Service Other | - | 3,791 | - | - |
| Net interest income after provision for credit losses | 31,297 | 30,942 | 29,977 | 30,234 |
| Noninterest income-Fiduciary And Trust | 1,371 | 1,222 | - | - |
| Noninterest income-Deposit Account | 4,520 | - | - | - |
| Noninterest income | - | - | 8,338 | 8,429 |
| Noninterest income-Financial Service Other | 3,847 | - | - | - |
| Other operating income | 1,151 | 1,207 | 1,891 | 2,023 |
| Total noninterest income | 10,889 | 10,340 | 10,229 | 10,452 |
| Salaries and employee benefits | 14,351 | 14,349 | 13,335 | 13,129 |
| Occupancy expense | 1,508 | 1,290 | 1,576 | 1,270 |
| Furniture and equipment expense | 1,502 | 1,587 | 1,575 | 1,574 |
| Service fees | 2,728 | 2,475 | 2,484 | 2,461 |
| Advertising and public relations | 939 | 1,154 | 1,055 | 967 |
| Professional fees | 293 | 360 | 372 | 221 |
| Amortization of intangibles | 433 | 526 | 524 | 536 |
| Fdic premiums and assessments | 362 | 361 | 362 | 365 |
| Merger expenses | 787 | - | - | - |
| Litigation expense | 0 | 0 | - | - |
| Other operating expense | 3,376 | 3,353 | 3,661 | 3,654 |
| Total noninterest expense | 26,279 | 25,455 | 24,944 | 24,177 |
| Income before income taxes | 15,907 | 15,827 | 15,262 | 16,509 |
| Income tax expense | 3,641 | 3,581 | 3,444 | 3,476 |
| Net income | 12,266 | 12,246 | 11,818 | 13,033 |
| Basic (in dollars per share) | 0.67 | 0.67 | 0.64 | 0.71 |
| Diluted (in dollars per share) | 0.67 | 0.67 | 0.64 | 0.71 |
| Us-gaap_weightedaveragenumberofdilutedsharesoutstanding | 18,400,289 | 18,400,793 | 18,451,321 | 18,371,907 |
| Weighted average common shares outstanding, basic (in shares) | 18,314,865 | 18,295,465 | 18,324,760 | 18,279,612 |
FIRST COMMUNITY BANKSHARES INC VA (FCBC)
FIRST COMMUNITY BANKSHARES INC VA (FCBC)