Financial insights of NIC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Fees and commissions-Investment Advisory Management And Administrative Service	29,611	-
Fees and commissions-Deposit Account	8,003	-
Fees and commissions-Credit And Debit Card	14,560	-
Mortgage income, net	12,054	10,177
Boli income	6,360	5,448
Deferred compensation plan asset market valuations	2,919	1,198
Lsr income, net	3,319	4,405
Fees and commissions	-	48,297
Asset gains (losses), net	1,163	4,212
Other income	7,578	8,530
Total noninterest income	85,567	82,267
Loans, including loan fees	421,151	393,052
Taxable	24,082	20,193
Tax-exempt	4,036	4,558
Other interest income	21,681	20,562
Total interest income	470,950	438,365
Deposits	156,871	161,574
Short-term borrowings	1	2
Long-term borrowings	7,605	8,724
Total interest expense	164,477	170,300
Net interest income	306,473	268,065
Provision for credit losses	4,250	3,850
Net interest income after provision for credit losses	302,223	264,215
Personnel	115,305	108,414
Occupancy, equipment and office	36,631	35,136
Business development and marketing	8,009	8,330
Data processing	18,569	17,754
Intangibles amortization	5,740	6,876
Fdic assessments	4,007	4,003
Merger-related expense	1,956	-
Other expense	10,616	10,840
Total noninterest expense	200,833	191,353
Income before income tax expense	186,957	155,129
Income tax expense	36,271	31,070
Net income	150,686	124,059

Basic EPS	10.06	8.24
Diluted EPS	9.78	8.05
Basic Average Shares	14,979,671	15,049,225
Diluted Average Shares	15,403,934	15,415,822