For the quarter ending 2025-09-30, FCCO made $51,953K in revenue. $5,192K in net income. Net profit margin of 9.99%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Loans, including fees | 18,864 | 18,173 | 17,279 | 16,401 |
| Investment securities taxable | 3,982 | 3,976 | 3,975 | 4,114 |
| Investment securities - non taxable | 346 | 345 | 355 | 359 |
| Interest-bearing deposits in other banks and fed funds sold | 1,710 | 1,679 | 1,552 | 1,057 |
| Total interest income | 24,902 | 24,173 | 23,161 | 21,931 |
| Deposits | 7,995 | 7,899 | 8,287 | 7,720 |
| Securities sold under agreements to repurchase | 640 | 681 | 506 | 497 |
| Other borrowed money | 273 | 269 | 956 | 1,020 |
| Total interest expense | 8,908 | 8,849 | 9,749 | 9,237 |
| Net interest income | 15,994 | 15,324 | 13,412 | 12,694 |
| Provision for credit losses | 201 | -237 | -16 | 454 |
| Net interest income after provision for credit losses | 15,793 | 15,561 | 13,428 | 12,240 |
| Gain on sale of other real estate owned | - | 127 | - | - |
| Deposit service charges | 243 | 224 | 228 | 235 |
| Gain on sale of other assets | - | - | 5 | - |
| Mortgage banking income | 934 | 879 | 575 | 659 |
| Investment advisory fees and non-deposit commissions | 1,862 | 1,751 | 1,595 | 1,508 |
| Other non-recurring income | 188 | - | - | - |
| Other | 1,242 | 1,225 | 1,167 | 1,240 |
| Total non-interest income | 4,469 | 4,206 | 3,570 | 3,642 |
| Salaries and employee benefits | 8,059 | 8,060 | 7,422 | 7,303 |
| Occupancy | 792 | 772 | 793 | 738 |
| Equipment | 377 | 390 | 391 | 317 |
| Marketing and public relations | 557 | 208 | 477 | 258 |
| Fdic insurance assessments | 286 | 274 | 290 | 302 |
| Other real estate expense | 12 | 110 | 11 | 90 |
| Amortization of intangibles | 39 | 40 | 40 | 39 |
| Merger | 575 | - | - | - |
| Other | 2,977 | 3,229 | 2,567 | 2,796 |
| Total non-interest expense | 13,674 | 13,083 | 11,991 | 11,843 |
| Net income before taxes | - | - | 5,007 | 4,039 |
| Net income before tax | 6,588 | 6,684 | - | - |
| Income tax expense | 1,396 | 1,498 | 1,146 | 774 |
| Net income | 5,192 | 5,186 | 3,861 | 3,265 |
| Basic earnings per common share | 0.68 | 0.68 | 0.51 | 0.43 |
| Basic shares | 7,668 | 7,664,000 | 7,623,000 | 7,617,000 |
| Diluted common shares outstanding | 7,800 | 7,787,000 | 7,722,000 | 7,695,000 |
| Diluted earnings per common share | 0.67 | 0.67 | 0.5 | 0.42 |
FIRST COMMUNITY CORP SC (FCCO)
FIRST COMMUNITY CORP SC (FCCO)