Financial insights of FXNC

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$5,550K
EPS
$0.62
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Interest and fees on loans	21,430	21,594	20,639	20,901*
Interest on deposits in banks	1,733	1,891	1,671	1,815*
Interest on federal funds sold	1	0	39	47*
Taxable interest	1,562	1,313	1,314	1,396*
Tax-exempt interest	296	298	300	309*
Dividends	65	69	59	105*
Interest on federal funds purchased	-	-	-	0*
Total interest and dividend income	25,087	25,165	24,022	24,571*
Interest on deposits	6,246	6,080	6,038	6,298*
Interest on subordinated debt	479	468	467	396*
Interest on junior subordinated debt	67	66	66	69*
Interest on other borrowings	0	3	-	220*
Total interest expense	6,792	6,617	6,571	6,983*
Net interest income	18,295	18,548	17,451	17,588*
Provision for credit losses	193	911	832	4,700*
Net interest income after provision for credit losses	18,102	17,637	-	12,888*
Noninterest income-Deposit Account	985	-	-	-
Noninterest income-Credit And Debit Card	1,336	-	-	-
Noninterest income-Asset Management1	910	-	-	-
Noninterest income-Financial Service Other	407	-	-	-
Noninterest income-Mortgage Banking	166	-	-	-
Income from bank owned life insurance	284	-	246	245*
Gain on sale of other investment	-	-	-	10*
Net gains on redemption of subordinated debt	0	-	-	-
Net (losses) on securities available for sale	-	-	-	-272*
Net gains on sale of mortgage loans held for sale	5	-	-	-
Noninterest income	-	-	3,275	5,383*
Preliminary bargain purchase gain	304	-	-	730*
Other operating income	103	-	90	1,452*
Total noninterest income	4,500	3,889	3,611	7,547*
Salaries and employee benefits	8,487	8,033	8,689	13,613*
Occupancy	1,025	944	1,069	874*
Equipment	1,056	1,057	1,024	1,006*
Marketing	324	286	220	235*
Supplies	158	198	217	132*
Amortization expense	-	-	442	448*
Legal and professional fees	660	594	522	-587*
Miscellaneous losses	-	-	316	-
Atm and check card expense	569	537	438	365*
Net losses on disposal of premises and equipment	-	-	-	12*
Internet banking expense	-	55	351	-
Fdic assessment	305	315	414	263*
Bank franchise tax	350	348	317	263*
Data processing expense	495	504	762	725*
Core deposit intangible amortization expense	442	441	-	-
Other real estate owned, net	0	0	-	-
Net (gains) losses on disposal of premises and equipment	23	-7	1	-
Other real estate gain (loss) and expense, net	-	-	-	15*
Merger expense	0	92	1,940	2,027*
Other operating expense	1,934	1,780	1,615	1,899*
Total noninterest expense	15,782	15,191	18,335	21,257*
Income before income taxes	6,820	6,335	1,895	-823*
Income tax expense	1,270	1,284	297	-754*
Net income	5,550	5,051	1,598	-69

Basic EPS	0.62	0.56	0.18	-0.008
Diluted EPS	0.62	0.56	0.18	-0.008
Basic Average Shares	8,999,153	8,987,179	8,979,527	8,300,666
Diluted Average Shares	9,023,185	9,001,972	9,005,923	8,320,580

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

MyFinsight

Income Overview

Net Income
$5,550K
EPS
$0.62
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
$5,550K
EPS
$0.62
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$5,550KEPS$0.62Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$5,550KEPS$0.62Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$5,550K
EPS
$0.62
Unit: Thousand (K) dollars

Net Income
$5,550K
EPS
$0.62
Unit: Thousand (K) dollars