Financial insights of FVCB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	108,912
Interest and dividends on securities held-to-maturity	6
Interest and dividends on securities available-for-sale	3,648
Dividends on restricted stock	450
Interest on deposits at other financial institutions	5,381
Total interest and dividend income	118,397
Interest on deposits	52,026
Interest on federal funds purchased	0
Interest on short-term debt	1,468
Interest on subordinated notes	1,134
Total interest expense	54,628
Net interest income	63,769
Provision for credit losses	1,589
Net interest income after provision for (recovery of) credit losses	62,180
Service charges on deposit accounts	1,248
Boli income	289
Income from minority membership interests	1,247
Gain on termination of derivative instruments	91
Other income	762
Total noninterest income	3,637
Salaries and employee benefits	20,125
Occupancy and equipment expense	2,108
Data processing and network administration	2,236
Internet banking and software expense	3,451
State franchise taxes	2,344
Fdic insurance	1,098
Marketing, business development and advertising	796
Loan processing fee (income)	1,084
Directors fees	630
Core deposit intangible amortization	125
Other operating expenses	3,573
Total noninterest expenses	37,570
Net income before income tax expense	28,247
Income tax expense	6,190
Net income	22,057

Basic EPS	1.22
Diluted EPS	1.21
Basic Average Shares	18,121,000
Diluted Average Shares	18,260,000