Financial insights of FFBC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans and leases, including fees	819,151
Taxable	148,036
Tax-exempt	8,995
Total interest on investment securities	157,031
Other earning assets	25,722
Total interest income	1,001,904
Deposits	310,752
Short-term borrowings	24,842
Long-term borrowings	24,264
Total interest expense	359,858
Net interest income	642,046
Provision for credit losses - loan and lease	36,525
Provision for other credit losses	1,142
Net interest income after provision for credit losses	604,379
Service charges on deposit accounts	31,366
Investment banking, advisory, brokerage, and underwriting fees and commissions	32,563
Bankcard income	14,226
Client derivative fees	7,802
Foreign exchange income	65,666
Operating lease, lease income	80,020
Net gains from sales of loans	24,885
Net gain (loss) on investment securities	-22,324
Other	23,234
Total noninterest income	257,438
Salaries and employee benefits	315,885
Net occupancy	24,182
Furniture and equipment	14,776
Data processing	37,835
Marketing	10,170
Communication	3,013
Professional services	14,833
Amortization of tax credit investments	-1,135
State intangible tax	5,604
Fdic assessments	11,204
Intangible amortization	11,003
Operating lease, expense	53,705
Other	37,202
Total noninterest expenses	540,547
Income before income taxes	321,270
Income tax expense	65,665
Net income	255,605

Basic EPS	2.68
Diluted EPS	2.66
Basic Average Shares	95,284,550
Diluted Average Shares	96,157,964