Financial insights of HBIA

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Fee income-Fiduciary And Trust	17,141
Fee income-Deposit Account	13,114
Net gain on sale of loans	1,637
Other noninterest income	2,090
Loss on sale of investment securities	-9,633
Total other income	24,349
Loans, including fees	195,651
Taxable	26,327
Nontaxable	11,328
Federal funds sold	468
Total interest income	233,774
Deposits	54,813
Other short-term borrowings	13,222
Fhlb borrowings	15,559
Total interest expense	83,594
Net interest income	150,180
Credit loss expense (note 3)	12,325
Net interest income after credit loss expense	137,855
Salaries and employee benefits	46,176
Occupancy	4,688
Furniture, equipment and software	7,456
Loss on disposal of property and equipment	-1,071
Office supplies and postage	2,167
Advertising and business development	3,128
Outside services	16,513
Fdic insurance assessment	2,018
Other noninterest expenses	3,296
Total other expenses	86,513
Income before income taxes	75,691
Income taxes (note 11)	15,189
Net income	60,502

Basic EPS	6.82
Diluted EPS	6.81
Basic Average Shares	8,876,888
Diluted Average Shares	8,878,124