Financial insights of FFIN

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	544,264
Taxable	106,046
Exempt from federal income tax	37,740
Interest on federal funds sold and interest-bearing deposits in banks	14,430
Total income	702,480
Interest on deposits	199,496
Interest on borrowings	2,097
Total interest expense	201,593
Net interest income	500,887
Provision for credit losses	28,609
Net interest income after provisions for credit losses	472,278
Trust fees	51,861
Service charges on deposit accounts	24,889
Debit card fees	21,310
Credit card fees	2,661
Gain on sale and fees on mortgage loans	15,550
Net loss on sale of available-for-sale securities	0
Net gain (loss) on sale of foreclosed assets	31
Net gain on sale of assets	6
Interest on loan recoveries	3,594
Other	10,814
Total noninterest income	130,716
Salaries, commissions and employee benefits	174,551
Net occupancy expense	14,323
Equipment expense	9,321
Fdic insurance premiums	6,490
Debit card expense	13,456
Professional and service fees	11,179
Printing, stationery and supplies	1,939
Operational and other losses	4,800
Software amortization and expense	16,496
Amortization of intangible assets	352
Other	40,484
Total noninterest expense	293,391
Earnings before income taxes	309,603
Effective income tax rate ,amount	56,024
Net earnings	253,579

Basic EPS	1.77
Diluted EPS	1.77
Basic Average Shares	143,065,368
Diluted Average Shares	143,447,988