Financial insights of FINW

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	87,087
Interest on securities	1,489
Other interest income	3,902
Total interest income	92,478
Interest on deposits	20,295
Total interest expense	20,295
Net interest income	72,183
Provision for credit losses	38,573
Net interest income after provision for credit losses	33,610
Strategic program fees	22,024
Gain on sale of loans, net	6,373
Sba loan servicing fees, net	-156
Change in fair value on investment in bfg	1,300
Credit enhancement income	23,924
Other miscellaneous income	5,018
Total non-interest income	58,483
Salaries and employee benefits	42,288
Professional services	3,630
Occupancy and equipment expenses	1,877
Credit enhancement servicing expense	1,222
Credit enhancement guarantee expense	8,533
Other operating expenses	12,783
Total non-interest expense	70,333
Income before income taxes	21,760
Provision for income taxes	5,669
Net income	16,091

Basic EPS	1.2
Diluted EPS	1.13
Basic Average Shares	12,828,016
Diluted Average Shares	13,565,336