Financial insights of HWC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Service charges on deposit accounts-Deposit Account	99,180
Service charges on deposit accounts-Fiduciary And Trust	89,630
Service charges on deposit accounts-Credit And Debit Card	86,135
Service charges on deposit accounts-Investment Advisory Management And Administrative Service	49,162
Service charges on deposit accounts-Mortgage Banking	14,769
Securities transactions, net	-11
Other income	67,582
Total noninterest income	406,447
Loans, including fees	1,355,852
Loans held for sale	1,652
Securities-taxable	220,513
Securities-tax exempt	16,015
Short-term investments	20,588
Total interest income	1,614,620
Deposits	470,348
Short-term borrowings	23,687
Long-term debt	11,813
Total interest expense	505,848
Net interest income	1,108,772
Provision for credit losses	51,183
Net interest income after provision for credit losses	1,057,589
Compensation expense	385,660
Employee benefits	89,731
Personnel expense	475,391
Net occupancy expense	55,871
Equipment expense	17,020
Data processing expense	127,227
Professional services expense	57,080
Amortization of intangibles	9,953
Deposit insurance and regulatory fees	17,992
Other real estate and foreclosed assets expense (income)	3,091
Other expense	88,016
Total noninterest expense	851,641
Income before income taxes	612,395
Income tax expense	126,322
Net income	486,073

Basic EPS	5.7
Diluted EPS	5.67
Basic Average Shares	84,905,000
Diluted Average Shares	85,440,000