Financial insights of FFIN

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$71,543K
EPS
$0.5
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	135,207	131,520*	140,441	134,723
Taxable	32,283	28,375*	26,539	25,242
Exempt from federal income tax	11,206	9,635*	10,196	8,541
Interest on federal funds sold and interest-bearing demand deposits in banks	4,249	4,200*	2,516	4,304
Total interest income	182,945	173,729*	179,692	172,810
Interest on deposits	47,851	48,413*	52,009	48,732
Interest on borrowings	-	524*	-	-
Interest on repurchase agreements and borrowings	303	-	682	348
Total interest expense	48,154	48,937*	52,691	49,080
Net interest income	134,791	124,792*	127,001	123,730
Provision for credit gaines	2,291	-12,741*	24,435	3,132
Net loss on sale of assets	-	-3*	0	6
Net interest income after provision for credit losses	132,500	137,533*	102,566	120,598
Trust fees	13,363	12,302*	12,950	12,746
Loan recoveries	-	-	1,664	810
Service charges on deposit accounts	6,077	6,030*	6,447	6,126
Debit card fees	5,245	5,484*	5,333	5,218
Credit card fees	651	552*	699	707
Gain on sale and fees on mortgage loans	4,277	2,799*	4,375	4,126
Net loss on sale of available-for-sale securities	-	0*	-	-
Interest on loan recoveries	-	899*	-	-
Net loss (gain) on sale of foreclosed assets	-56	-86*	-122	200
Other noninterest income	2,539	2,036*	2,918	2,934
Total noninterest income	32,096	30,011*	34,264	32,873
Salaries, commissions and employee benefits	45,982	46,782*	42,605	42,575
Net occupancy expense	3,630	3,606*	3,545	3,600
Equipment expense	2,158	2,012*	2,395	2,478
Fdic insurance premiums	1,560	1,660*	1,635	1,585
Debit card expense	3,108	3,226*	3,512	3,308
Professional and service fees	3,403	2,584*	3,000	2,730
Printing, stationery and supplies	623	546*	456	473
Operational and other losses	1,000	785*	1,957	720
Software amortization and expense	4,594	4,046*	4,280	4,020
Amortization of intangible assets	43	94*	86	86
Other noninterest expense	10,667	9,952*	10,195	10,160
Total noninterest expense	76,768	75,290*	73,666	71,735
Earnings before income taxes	87,828	92,254*	63,164	81,736
Income tax expense	16,285	17,062*	10,897	15,078
Net earnings	71,543	75,192	52,267	66,658

Basic EPS	0.5	0.526	0.37	0.47
Diluted EPS	0.5	0.524	0.36	0.47
Basic Average Shares	143,210,755	143,067,336	143,105,224	143,023,544
Diluted Average Shares	143,608,079	143,491,290	143,474,169	143,378,505

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$71,543K
EPS
$0.5
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$71,543K
EPS
$0.5
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$71,543KEPS$0.5Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$71,543KEPS$0.5Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$71,543K
EPS
$0.5
Unit: Thousand (K) dollars

Net Income
$71,543K
EPS
$0.5
Unit: Thousand (K) dollars