For the quarter ending 2025-09-30, FCBC made $77,269,000 in revenue. $12,266,000 in net income. Net profit margin of 15.87%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Interest and fees on loans | 30,805,000 | 30,637,000 | 30,669,000 | 32,527,500 |
| Interest on securities -- taxable | 977,000 | 945,000 | 1,147,000 | 1,454,000 |
| Interest on securities -- tax-exempt | 73,000 | 84,000 | 91,000 | 118,500 |
| Interest on deposits in banks | 3,844,000 | 3,722,000 | 3,262,000 | 2,130,500 |
| Total interest income | 35,699,000 | 35,388,000 | 35,169,000 | 36,230,500 |
| Interest on deposits | 4,402,000 | 4,731,000 | 4,871,000 | 4,732,000 |
| Interest on short-term borrowings | 0 | 0 | - | 8,750 |
| Total interest expense | 4,402,000 | 4,731,000 | 4,871,000 | 4,749,500 |
| Net interest income | 31,297,000 | 30,657,000 | 30,298,000 | 31,481,000 |
| Noninterest income-Deposit Account | - | 4,120,000 | - | - |
| Provision for credit losses | 0 | -285,000 | 321,000 | 1,046,500 |
| Noninterest income-Financial Service Other | - | 3,791,000 | - | - |
| Net interest income after provision for credit losses | 31,297,000 | 30,942,000 | 29,977,000 | 30,434,500 |
| Noninterest income-Fiduciary And Trust | 1,371,000 | 1,222,000 | - | - |
| Noninterest income-Deposit Account | 4,520,000 | - | - | - |
| Noninterest income | - | - | 8,338,000 | 8,149,000 |
| Noninterest income-Financial Service Other | 3,847,000 | - | - | - |
| Other operating income | 1,151,000 | 1,207,000 | 1,891,000 | 1,649,000 |
| Litigation expense | - | - | - | 0 |
| Total noninterest income | 10,889,000 | 10,340,000 | 10,229,000 | 9,798,000 |
| Salaries and employee benefits | 14,351,000 | 14,349,000 | 13,335,000 | 13,041,000 |
| Occupancy expense | 1,508,000 | 1,290,000 | 1,576,000 | 1,353,500 |
| Furniture and equipment expense | 1,502,000 | 1,587,000 | 1,575,000 | 1,553,500 |
| Service fees | 2,728,000 | 2,475,000 | 2,484,000 | 2,377,000 |
| Advertising and public relations | 939,000 | 1,154,000 | 1,055,000 | 980,500 |
| Professional fees | 293,000 | 360,000 | 372,000 | 333,500 |
| Amortization of intangibles | 433,000 | 526,000 | 524,000 | 532,500 |
| Fdic premiums and assessments | 362,000 | 361,000 | 362,000 | 367,000 |
| Merger expenses | 787,000 | - | - | - |
| Litigation expense | 0 | 0 | - | - |
| Other operating expense | 3,376,000 | 3,353,000 | 3,661,000 | 3,208,000 |
| Total noninterest expense | 26,279,000 | 25,455,000 | 24,944,000 | 23,746,500 |
| Income before income taxes | 15,907,000 | 15,827,000 | 15,262,000 | 16,486,000 |
| Income tax expense | 3,641,000 | 3,581,000 | 3,444,000 | 3,543,500 |
| Net income | 12,266,000 | 12,246,000 | 11,818,000 | 12,942,500 |
| Basic (in dollars per share) | 0.67 | 0.67 | 0.64 | 0.705 |
| Diluted (in dollars per share) | 0.67 | 0.67 | 0.64 | 0.69 |
| Us-gaap_weightedaveragenumberofdilutedsharesoutstanding | 18,400,289 | 18,400,793 | 18,451,321 | -9,175,788.5 |
| Weighted average common shares outstanding, basic (in shares) | 18,314,865 | 18,295,465 | 18,324,760 | -9,137,036 |
FIRST COMMUNITY BANKSHARES INC VA (FCBC)
FIRST COMMUNITY BANKSHARES INC VA (FCBC)