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Income Overview
Net Income
$22,583K
EPS
$0.96
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
64,106
52,677
49,483*
53,928
Taxable
4,238
4,285
4,627*
4,638
Non-taxable
851
853
833*
853
Federal funds sold and interest-bearing deposits in banks
5,808
4,817
4,075*
5,101
Total interest income
75,003
62,632
59,017*
64,520
Deposits
23,716
18,878
19,375*
19,925
Notes payable & other borrowings
-
-
0*
-
Short-term borrowings
38
-
-
-
Subordinated debt
238
243
225*
835
Junior subordinated deferrable interest debentures
662
659
700*
741
Total interest expense
24,654
19,780
20,300*
21,501
Net interest income
50,349
42,852
38,717*
43,019
Provision for credit losses
350
260
695*
500
Net interest income, after provision for credit losses
49,999
42,592
38,022*
42,519
Service charges on deposit accounts
2,366
2,255
2,277*
2,266
Net gain on sales of loans
2,733
2,332
2,116*
2,338
Bank card services and interchange fees
4,110
3,216
3,151*
3,403
Other mortgage banking income
2,114
1,586
-703*
237
Investment commissions
466
555
419*
428
Fiduciary fees
802
789
798*
729
Gain on sale of subsidiary
-
-
0*
-
Other
1,552
562
1,837*
1,764
Total noninterest income
14,143
11,295
9,894*
11,165
Salaries and employee benefits
23,517
20,154
13,442*
19,413
Occupancy and equipment, net
4,330
3,953
4,024*
4,046
Professional services
1,850
2,955
2,560*
1,293
Marketing and development
1,032
1,001
1,176*
979
It and data services
1,968
1,381
1,154*
1,184
Bank card expenses
1,616
1,608
-
1,637
Bank card expenses
-
-
5,319*
284
Realized loss on sale of securities
-
-
0*
-
Other
5,551
4,474
5,096*
4,188
Total noninterest expense
39,864
35,526
32,770*
33,024
Income before income taxes
24,278
18,361
15,146*
20,660
Income tax expense
5,286
3,816
3,059*
4,342
Net income
18,992
14,545
12,087*
16,318
Unrealized gains (losses) on securities available for sale
4,283
-1,112
5,075*
12,450
Less change in fair value on hedged state and municipal securities
-263
26
1,730*
878
Reclassification adjustment for loss on sale of securities
-
-
0*
-
Tax effect
955
-239
703*
2,430
Other comprehensive income (loss)
3,591
-899
2,642*
9,142
Comprehensive income
22,583
13,646
14,729
25,460
Basic EPS
0.99
0.89
0.899
1
Diluted EPS
0.96
0.85
0.863
0.96
Basic Average Shares
19,100,893
16,318,570
16,378,090
16,241,695
Diluted Average Shares
19,809,801
17,036,334
17,071,662
16,990,546
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$64,106K
(18.97%↑ Y/Y)
Federal funds sold and
interest-bearing deposits in...
$5,808K
(22.35%↑ Y/Y)
Taxable
$4,238K
(-9.83%↓ Y/Y)
Non-taxable
$851K
(6.11%↑ Y/Y)
Total interest income
$75,003K
(16.95%↑ Y/Y)
Net interest income
$50,349K
(18.46%↑ Y/Y)
Bank card services
and interchange...
$4,110K
(8.99%↑ Y/Y)
Net gain on sales of
loans
$2,733K
(2.94%↑ Y/Y)
Service charges on
deposit accounts
$2,366K
(12.77%↑ Y/Y)
Other mortgage
banking income
$2,114K
(122.29%↑ Y/Y)
Other
$1,552K
(-1.15%↓ Y/Y)
Fiduciary fees
$802K
(15.56%↑ Y/Y)
Investment commissions
$466K
(9.39%↑ Y/Y)
Total interest
expense
$24,654K
(13.97%↑ Y/Y)
Net interest
income, after provision...
$49,999K
(24.99%↑ Y/Y)
Total noninterest
income
$14,143K
(16.26%↑ Y/Y)
Provision for credit
losses
$350K
(-86.00%↓ Y/Y)
Deposits
$23,716K
(18.21%↑ Y/Y)
Junior subordinated
deferrable interest...
$662K
(-9.93%↓ Y/Y)
Subordinated debt
$238K
(-71.50%↓ Y/Y)
Short-term borrowings
$38K
Income before income
taxes
$24,278K
(30.35%↑ Y/Y)
Unrealized gains (losses)
on securities...
$4,283K
(419.39%↑ Y/Y)
Total noninterest
expense
$39,864K
(18.84%↑ Y/Y)
Less change in fair
value on hedged state...
-$263K
(-116.72%↓ Y/Y)
Net income
$18,992K
(30.04%↑ Y/Y)
Other comprehensive
income (loss)
$3,591K
(255.99%↑ Y/Y)
Income tax expense
$5,286K
(31.49%↑ Y/Y)
Tax effect
$955K
(256.05%↑ Y/Y)
Salaries and employee
benefits
$23,517K
(19.33%↑ Y/Y)
Other
$5,551K
(36.25%↑ Y/Y)
Occupancy and equipment,
net
$4,330K
(9.01%↑ Y/Y)
It and data
services
$1,968K
(66.64%↑ Y/Y)
Professional services
$1,850K
(-1.28%↓ Y/Y)
Bank card expenses
$1,616K
(2.34%↑ Y/Y)
Marketing and development
$1,032K
(12.30%↑ Y/Y)
Comprehensive income
$22,583K
(83.56%↑ Y/Y)
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SOUTH PLAINS FINANCIAL, INC. (SPFI)
SOUTH PLAINS FINANCIAL, INC. (SPFI)