smbc: the income statement

MyFinsight

For the quarter ending 2025-09-30, SMBC made $135,266K in revenue. $15,650K in net income. Net profit margin of 11.57%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30
Loans	66,460
Investment securities	1,305
Mortgage-backed securities	4,151
Other interest-earning assets	1,114
Total interest income	73,030
Deposits	28,940
Securities sold under agreements to repurchase	200
Advances from fhlb	1,081
Subordinated debt	391
Total interest expense	30,612
Net interest income	42,418
Provision for credit losses	4,500
Net interest income after provision for credit losses	37,918
Deposit account charges and related fees	2,365
Bank card interchange income	1,530
Loan servicing fees	263
Other loan fees	194
Net realized gains on sale of loans	175
Earnings on bank owned life insurance	548
Insurance brokerage commissions	319
Wealth management fees	851
Other income	328
Total noninterest income	6,573
Compensation and benefits	13,065
Occupancy and equipment, net	3,788
Data processing expense	2,513
Telecommunications expense	347
Deposit insurance premiums	620
Legal and professional fees	1,075
Advertising	614
Postage and office supplies	300
Intangibles amortization	857
Foreclosed property expenses/losses	58
Other operating expense	1,814
Total noninterest expense	25,051
Income before income taxes	19,440
Total income taxes	3,790
Net income	15,650

Earnings per share, basic	1.39
Earnings per share, diluted	1.38
Weighted average number of shares outstanding, basic	11,246,743
Weighted average number of shares outstanding, diluted	11,271,909