Financial insights of FSBC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	229,214
Taxable securities	1,626
Nontaxable securities	672
Interest-bearing deposits in banks	17,421
Total interest and fee income	248,933
Deposits	92,382
Subordinated notes	4,646
Other borrowings	0
Total interest expense	97,028
Net interest income	151,905
Provision for credit losses	9,700
Net interest income after provision for credit losses	142,205
Service charges on deposit accounts	755
Net gain (loss) on sale of securities	0
Gain on sale of loans	244
Loan-related fees	2,156
Fhlb stock dividends	1,317
Earnings on boli	824
Other	1,239
Total non-interest income	6,535
Salaries and employee benefits	37,885
Occupancy and equipment	2,782
Data processing and software	6,121
Fdic insurance	1,950
Professional services	3,723
Advertising and promotional	3,178
Loan-related expenses	1,423
Other operating expenses	7,946
Total non-interest expense	65,008
Income before provision for income taxes	83,732
Provision for income taxes	22,126
Net income	61,606

Basic EPS	2.9
Diluted EPS	2.9
Basic Average Shares	21,224,788
Diluted Average Shares	21,273,552