Financial insights of PFS

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Real estate secured loans	773,179
Commercial loans	318,268
Consumer loans	41,974
Available for sale debt securities and federal home loan bank stock	128,647
Held to maturity debt securities	7,694
Deposits, federal funds sold and other short-term investments	3,012
Total interest and dividend income	1,272,774
Deposits	400,003
Borrowed funds	78,754
Subordinated debentures	33,452
Total interest expense	512,209
Net interest income	760,565
Provision charge for credit losses	3,581
Net interest income after provision for credit losses	756,984
Fees	42,827
Wealth management income	29,252
Insurance agency income	18,299
Bank-owned life insurance	10,130
Net gain (loss) on securities transactions	843
Other income	8,485
Total non-interest income	109,836
Compensation and employee benefits	253,133
Net occupancy expense	52,789
Data processing expense	37,415
Fdic insurance	12,902
Advertising and promotion expense	5,530
Amortization of intangibles	37,074
Merger-related expenses	0
Other operating expenses	59,820
Total non-interest expense	458,663
Income before income tax expense	408,157
Income tax expense	116,997
Net income	291,160

Basic EPS	2.23
Diluted EPS	2.23
Basic Average Shares	130,462,418
Diluted Average Shares	130,507,070