| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 140,441 | 134,723 | ||
| Taxable | 26,539 | 25,242 | ||
| Exempt from federal income tax | 10,196 | 8,541 | ||
| Interest on federal funds sold and interest-bearing demand deposits in banks | 2,516 | 4,304 | ||
| Total interest income | 179,692 | 172,810 | ||
| Interest on deposits | 52,009 | 48,732 | ||
| Interest on repurchase agreements and borrowings | 682 | 348 | ||
| Total interest expense | 52,691 | 49,080 | ||
| Net interest income | 127,001 | 123,730 | ||
| Provision for credit losses | 24,435 | 3,132 | ||
| Net interest income after provision for credit losses | 102,566 | 120,598 | ||
| Trust fees | 12,950 | 12,746 | ||
| Service charges on deposit accounts | 6,447 | 6,126 | ||
| Debit card fees | 5,333 | 5,218 | ||
| Credit card fees | 699 | 707 | ||
| Gain on sale and fees on mortgage loans | 4,375 | 4,126 | ||
| Net gain (loss) on sale of foreclosed assets | -122 | 200 | ||
| Net gain on sale of other assets | 0 | 6 | ||
| Loan recoveries | 1,664 | 810 | ||
| Other noninterest income | 2,918 | 2,934 | ||
| Total noninterest income | 34,264 | 32,873 | ||
| Salaries, commissions and employee benefits | 42,605 | 42,575 | ||
| Net occupancy expense | 3,545 | 3,600 | ||
| Equipment expense | 2,395 | 2,478 | ||
| Fdic insurance premiums | 1,635 | 1,585 | ||
| Debit card expense | 3,512 | 3,308 | ||
| Professional and service fees | 3,000 | 2,730 | ||
| Printing, stationery and supplies | 456 | 473 | ||
| Operational and other losses | 1,957 | 720 | ||
| Software amortization and expense | 4,280 | 4,020 | ||
| Amortization of intangible assets | 86 | 86 | ||
| Other noninterest expense | 10,195 | 10,160 | ||
| Total noninterest expense | 73,666 | 71,735 | ||
| Earnings before income taxes | 63,164 | 81,736 | ||
| Income tax expense | 10,897 | 15,078 | ||
| Net earnings | 52,267 | 66,658 | ||
| Earnings per share, basic, total | 0.37 | 0.47 | ||
| Earnings per share, diluted | 0.36 | 0.47 | ||
| Weighted average number of shares outstanding, basic, total | 143,105,224 | 143,023,544 | ||
| Weighted average number of shares outstanding, diluted | 143,474,169 | 143,378,505 | ||
FIRST FINANCIAL BANKSHARES INC (FFIN)
FIRST FINANCIAL BANKSHARES INC (FFIN)