Financial insights of QNBC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	73,052
Taxable	15,515
Tax-exempt	1,415
Interest on interest-bearing balances and other interest income	2,656
Total interest income	92,638
Interest-bearing demand	9,699
Money market	7,312
Savings	3,591
Time less than 100	6,291
Time 100 through 250	6,088
Time greater than 250	2,152
Interest on short-term borrowings	2,103
Interest on long-term debt	423
Interest on subordinated debt	3,750
Total interest expense	41,409
Net interest income	51,229
Provision (reversal of provision) for credit losses	449
Net interest income after provision for credit losses	50,780
Fees for services to customers	1,986
Atm and debit card	2,991
Retail brokerage and advisory	648
Bank-owned life insurance	338
Merchant	321
Net gain on sale of loans	63
Other	610
Total non-interest income	6,957
Salaries and employee benefits	21,261
Net occupancy	2,320
Furniture and equipment	4,434
Marketing	1,038
Third party services	3,069
Telephone, postage and supplies	511
State taxes	947
Fdic insurance premiums	1,033
Merger-related	1,138
Other	4,056
Total non-interest expense	39,807
Income before income taxes	17,930
Provision for income taxes	3,840
Net income	14,090

Basic EPS	3.79
Diluted EPS	3.78
Basic Average Shares	3,715,806
Diluted Average Shares	3,729,246