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Income Statement
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Balance Sheet
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Income Overview
Net Income
$5,192K
EPS
$0.67
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
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 EPS
0.68
0.68
0.51
0.43
Diluted EPS
0.67
0.67
0.5
0.42
Basic Average Shares
7,668
7,664,000
7,623,000
7,617,000
Diluted Average Shares
7,800
7,787,000
7,722,000
7,695,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$18,864K
(9.17%↑ Y/Y)
Investment securities
taxable
$3,982K
(0.18%↑ Y/Y)
Interest-bearing deposits in
other banks and fed...
$1,710K
(10.18%↑ Y/Y)
Investment securities - non
taxable
$346K
(-2.54%↓ Y/Y)
Total interest income
$24,902K
(7.52%↑ Y/Y)
Net interest income
$15,994K
(19.25%↑ Y/Y)
Investment advisory fees
and non-deposit...
$1,862K
(16.74%↑ Y/Y)
Other
$1,242K
(6.43%↑ Y/Y)
Mortgage banking income
$934K
(62.43%↑ Y/Y)
Deposit service charges
$243K
(6.58%↑ Y/Y)
Other non-recurring
income
$188K
Total interest
expense
$8,908K
(-8.63%↓ Y/Y)
Net interest income
after provision for...
$15,793K
(17.61%↑ Y/Y)
Total non-interest
income
$4,469K
(25.18%↑ Y/Y)
Provision for credit
losses
$201K
(1356.25%↑ Y/Y)
Deposits
$7,995K
(-3.52%↓ Y/Y)
Securities sold under
agreements to repurchase
$640K
(26.48%↑ Y/Y)
Other borrowed money
$273K
(-71.44%↓ Y/Y)
Net income before
tax
$6,588K
Total non-interest
expense
$13,674K
(14.04%↑ Y/Y)
Net income
$5,192K
(34.47%↑ Y/Y)
Income tax expense
$1,396K
(21.82%↑ Y/Y)
Salaries and employee
benefits
$8,059K
(8.58%↑ Y/Y)
Other
$2,977K
(15.97%↑ Y/Y)
Occupancy
$792K
(-0.13%↓ Y/Y)
Merger
$575K
Marketing and public
relations
$557K
(16.77%↑ Y/Y)
Equipment
$377K
(-3.58%↓ Y/Y)
Fdic insurance
assessments
$286K
(-1.38%↓ Y/Y)
Amortization of intangibles
$39K
(-2.50%↓ Y/Y)
Other real estate
expense
$12K
(9.09%↑ Y/Y)
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FIRST COMMUNITY CORP SC (FCCO)
FIRST COMMUNITY CORP SC (FCCO)