Financial insights of SPFI

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	211,202
Taxable	18,634
Non-taxable	3,315
Federal funds sold and interest-bearing deposits in banks	18,847
Total interest income	251,998
Deposits	79,355
Notes payable & other borrowings	0
Subordinated debt	2,730
Junior subordinated deferrable interest debentures	2,914
Total interest expense	84,999
Net interest income	166,999
Provision for credit losses	5,195
Net interest income, after provision for credit losses	161,804
Service charges on deposit accounts	8,823
Net gain on sales of loans	9,605
Bank card services and interchange fees	13,912
Other mortgage banking income	1,079
Investment commissions	1,700
Fiduciary fees	2,932
Gain on sale of subsidiary	0
Other	6,838
Total noninterest income	44,889
Salaries and employee benefits	76,947
Occupancy and equipment, net	16,051
Professional services	7,310
Marketing and development	4,023
It and data services	4,701
Bank card expenses	6,099
Realized loss on sale of securities	0
Other	17,489
Total noninterest expense	132,620
Income before income taxes	74,073
Income tax expense	15,602
Net income	58,471
Unrealized gains (losses) on securities available for sale	21,738
Less change in fair value on hedged state and municipal securities	5,406
Reclassification adjustment for loss on sale of securities	0
Tax effect	3,430
Other comprehensive income (loss)	12,902
Comprehensive income	71,373

Basic EPS	3.59
Diluted EPS	3.44
Basic Average Shares	16,283,804
Diluted Average Shares	16,983,067