For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Service charges-Deposit Account | 40,168 | - | ||
| Service charges-Financial Service Other | 46,610 | - | ||
| Trust fees | 19,715 | 18,717 | ||
| Mortgage lending income | 17,750 | 15,789 | ||
| Insurance commissions | 2,158 | 2,151 | ||
| Increase in cash value of life insurance | 6,061 | 4,850 | ||
| Dividends from fhlb, frb, fnbb & other | 10,711 | 11,462 | ||
| Gain on sale of sba loans | 642 | 617 | ||
| Gain on branches, equipment and other assets, net | 754 | 2,102 | ||
| (loss) gain on oreo, net | -161 | -2,272 | ||
| Service charges | - | 82,232 | ||
| Fair value adjustment for marketable securities | -2,397 | -2,971 | ||
| Other income | 51,704 | 29,955 | ||
| Total non-interest income | 198,509 | 168,574 | ||
| Loans | 1,115,481 | 1,100,004 | ||
| Taxable | 106,063 | 125,765 | ||
| Tax-exempt | 30,853 | 30,980 | ||
| Deposits other banks | 26,218 | 42,773 | ||
| Federal funds sold | 205 | 255 | ||
| Total interest income | 1,278,820 | 1,299,777 | ||
| Interest on deposits | 346,976 | 376,638 | ||
| Federal funds purchased | 0 | 1 | ||
| Fhlb and other borrowed funds | 21,804 | 52,455 | ||
| Securities sold under agreements to repurchase | 4,067 | 5,448 | ||
| Subordinated debentures | 13,613 | 16,461 | ||
| Total interest expense | 386,460 | 451,003 | ||
| Net interest income | 892,360 | 848,774 | ||
| Provision for credit losses on loans | 24,100 | 48,400 | ||
| Recovery of credit losses on unfunded commitments | -1,000 | - | ||
| (recovery of ) provision for credit losses on investment securities | -2,195 | -330 | ||
| Total credit loss expense | 20,905 | 48,070 | ||
| Net interest income after provision for credit losses | 871,455 | 800,704 | ||
| Salaries and employee benefits | 252,868 | 241,022 | ||
| Occupancy and equipment | 57,710 | 58,031 | ||
| Data processing expense | 34,446 | 36,494 | ||
| Merger and acquisition expenses | 580 | - | ||
| Other operating expenses | 112,565 | 111,389 | ||
| Total non-interest expense | 458,169 | 446,936 | ||
| Income before income taxes | 611,795 | 522,342 | ||
| Income tax expense | 136,354 | 120,101 | ||
| Net income | 475,441 | 402,241 | ||
| Basic EPS | 2.41 | 2.01 | ||
| Diluted EPS | 2.41 | 2.01 | ||
| Basic Average Shares | 197,448,000 | 199,939,000 | ||
| Diluted Average Shares | 197,651,000 | 200,069,000 | ||
HOME BANCSHARES INC (HOMB)
HOME BANCSHARES INC (HOMB)