Financial insights of LKFN

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Taxable	335,856
Tax exempt	1,186
Taxable	14,055
Tax exempt	15,650
Other interest income	6,988
Total interest income	373,735
Interest on deposits	150,732
Interest on short-term borrowings	1,986
Total interest expense	152,718
Net interest income	221,017
Provision for credit losses	11,800
Net interest income after provision for credit losses	209,217
Wealth advisory fees	11,365
Investment brokerage fees	2,198
Service charges on deposit accounts	11,474
Loan and service fees	12,294
Merchant and interchange fee income	3,416
Bank owned life insurance income	4,256
Interest rate swap fee income	83
Mortgage banking income (loss)	134
Net securities gains (losses)	0
Net gain on visa shares	0
Other income	2,751
Total noninterest income	47,971
Salaries and employee benefits	75,293
Net occupancy expense	7,524
Equipment costs	5,716
Data processing fees and supplies	16,534
Corporate and business development	5,277
Fdic insurance and other regulatory fees	3,361
Professional fees	7,698
Wire fraud loss	0
Other expense	10,202
Total noninterest expense	131,605
Income before income tax expense	125,583
Income tax expense	22,222
Net income	103,361

Basic EPS	4.02
Diluted EPS	4.01
Basic Average Shares	25,687,159
Diluted Average Shares	25,799,047