Financial insights of FMCB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans and leases	218,668
Interest and dividends on investment securities	49,005
Interest on deposits with others	11,819
Total interest income	279,492
Deposits	59,565
Borrowed funds	0
Subordinated debentures	767
Total interest expense	60,332
Net interest income	219,160
Provision for credit losses	3,500
Net interest income after provision for credit losses	215,660
Card processing	7,023
Service charges on deposit accounts	3,072
Increase in cash surrender value of boli	2,530
Gain on boli death benefit	0
Net gain/(loss) on sale of securities	44
Net gain on deferred compensation benefits	4,629
Other	6,335
Total non-interest income	23,633
Salaries and employee benefits	74,129
Data processing	6,914
Occupancy	5,121
Deposit insurance	2,997
Professional services	3,651
Marketing	1,895
Net gain on deferred compensation benefits	4,629
Other	11,181
Total non-interest expense	110,517
Income before income taxes	128,776
Income tax expense	35,171
Net income	93,605

Basic EPS	134.96
Diluted EPS	133.96
Basic Average Shares	693,589
Diluted Average Shares	698,768