Financial insights of PGC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	321,328
Taxable securities	31,513
Interest-earning deposits	9,684
Total interest income	362,525
Savings and interest-bearing deposit accounts	141,629
Certificates of deposit	14,970
Borrowed funds	543
Finance lease liability	53
Subordinated debt	4,210
Subtotal interest expense	161,405
Interest-bearing demand - brokered	210
Total interest expense	161,615
Net interest income before provision for credit losses	200,910
Provision for credit losses	23,518
Net interest income after provision for credit losses	177,392
Wealth management fee income	63,240
Service charges and fees	4,807
Bank owned life insurance	1,675
Gain on loans held for sale at fair value (mortgage banking)	132
Loss/(gain) on loans held for sale at lower of cost or fair value	-364
Fee income related to loan level, back-to-back swaps	492
Gain on sale of sba loans	1,584
Corporate advisory fee income	820
Other income	9,274
Securities gains	7
Fair value adjustment for equity securities	418
Total other income	82,085
Compensation and employee benefits	145,492
Premises and equipment	26,613
Fdic insurance expense	4,810
Other operating expenses	30,253
Total operating expenses	207,168
Income before income tax expense	52,309
Income tax expense	14,983
Net income	37,326

Basic EPS	2.12
Diluted EPS	2.1
Basic Average Shares	17,612,244
Diluted Average Shares	17,749,879