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Income Overview

Net Income
$119,327K
EPS
$0.59
Unit: Thousand (K) dollars
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Service charges-Deposit Account
10,030
10,007
8,710*
10,486
Service charges-Financial Service Other
12,973
9,810
12,918*
12,130
Trust fees
6,109
5,482
5,121
4,600
Mortgage lending income
5,139
4,430
4,680
4,691
Insurance commissions
578
536
460
574
Increase in cash value of life insurance
1,553
1,368
1,400
1,404
Dividends from fhlb, frb, fnbb & other
2,841
2,536
2,678
2,658
Gain on sale of sba loans
0
80
308
46
Gain (loss) on sale of branches, equipment and other assets, net
3
-7
11
-66
Loss (gain) on oreo, net
332
707
203
-1
Fair value adjustment for marketable securities
-817
1,248
-1,173
-1,020
Other income
13,079
9,102
12,837
13,963
Total non-interest income
53,454
42,803
50,499
51,505
Loans
298,066
273,473
285,491
283,165
Taxable
25,787
24,728
25,860
26,326
Tax-exempt
7,811
7,829
7,834
7,743
Deposits other banks
5,135
4,945
4,405
6,242
Federal funds sold
37
48
41
56
Total interest income
336,836
311,023
323,631
323,532
Interest on deposits
87,432
79,145
83,739
87,962
Federal funds purchased
-
-
0
0
Fhlb and other borrowed funds
4,346
4,692
4,985
5,378
Securities sold under agreements to repurchase
1,057
927
962
1,019
Subordinated debentures
2,358
2,355
2,359
3,007
Total interest expense
95,193
87,119
92,045
97,366
Net interest income
241,643
223,904
231,586
226,166
Provision for credit losses on loans
5,200
1,500
14,400
6,700
(recovery of) provision for credit losses on unfunded commitments
-
-
-
-1,000
Recovery of credit losses on unfunded commitments
-
-
-250*
-
(recovery of ) provision for credit gaines on investment securities
-
-
249*
-2,194
Recovery of credit losses on unfunded commitments
0
-1,000
-
-
Total credit loss expense
5,200
500
14,399
3,506
Net interest income after credit loss expense
236,443
223,404
217,187
222,660
Salaries and employee benefits
68,742
63,236
62,891
63,804
Occupancy and equipment
15,787
14,867
14,434
14,828
Data processing expense
9,307
8,884
8,653
8,871
Merger and acquisition expenses
12,726
394
580
-
Other operating expenses
28,932
26,594
27,805
27,335
Total non-interest expense
135,494
113,975
114,363
114,838
Income before income taxes
154,403
152,232
153,323
159,327
Income tax expense
35,076
34,023
35,098
35,723
Net income
119,327
118,209
118,225
123,604
Basic EPS
0.59
0.6
0.602
0.63
Diluted EPS
0.59
0.6
0.601
0.63
Basic Average Shares
201,223,000
196,528,000
196,525,000
197,078,000
Diluted Average Shares
201,420,000
196,733,000
196,699,000
197,288,000
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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

Income Statement

Loans$298,066K (7.98%↑ Y/Y)Taxable$25,787K (-2.48%↓ Y/Y)Tax-exempt$7,811K (2.43%↑ Y/Y)Deposits other banks$5,135K (-42.63%↓ Y/Y)Federal funds sold$37K (-30.19%↓ Y/Y)Total interest income$336,836K (5.55%↑ Y/Y)Net interest income$241,643K (9.86%↑ Y/Y)Other income$13,079K (-2.85%↓ Y/Y)Servicecharges-Financial Service Other$12,973K (2.61%↑ Y/Y)Servicecharges-Deposit Account$10,030K (5.00%↑ Y/Y)Trust fees$6,109K (16.72%↑ Y/Y)Mortgage lending income$5,139K (7.51%↑ Y/Y)Dividends from fhlb, frb,fnbb & other$2,841K (6.93%↑ Y/Y)Increase in cash value oflife insurance$1,553K (9.75%↑ Y/Y)Fair valueadjustment for marketable...-$817K (-443.28%↓ Y/Y)Insurance commissions$578K (-1.87%↓ Y/Y)Loss (gain) on oreo,net$332K (2453.85%↑ Y/Y)Gain (loss) on sale ofbranches, equipment and...$3K (-99.69%↓ Y/Y)Total interestexpense$95,193K (-4.00%↓ Y/Y)Net interest incomeafter credit loss...$236,443K (8.98%↑ Y/Y)Total non-interestincome$53,454K (4.65%↑ Y/Y)Total credit lossexpense$5,200K (73.33%↑ Y/Y)Interest on deposits$87,432K (-1.19%↓ Y/Y)Fhlb and otherborrowed funds$4,346K (-21.54%↓ Y/Y)Subordinated debentures$2,358K (-42.81%↓ Y/Y)Securities sold underagreements to repurchase$1,057K (4.45%↑ Y/Y)Income before incometaxes$154,403K (1.59%↑ Y/Y)Total non-interestexpense$135,494K (16.76%↑ Y/Y)Provision for creditlosses on loans$5,200K (73.33%↑ Y/Y)Net income$119,327K (0.78%↑ Y/Y)Income tax expense$35,076K (4.43%↑ Y/Y)Salaries and employeebenefits$68,742K (6.88%↑ Y/Y)Other operatingexpenses$28,932K (-1.37%↓ Y/Y)Occupancy and equipment$15,787K (12.58%↑ Y/Y)Merger and acquisitionexpenses$12,726K Data processingexpense$9,307K (11.27%↑ Y/Y)

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