FCBC Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	123.34	129.87	126.73	104.57	102.83
Interest Income on Investments	19.19	16.27	10.44	9.75	2.48
Total Interest Income	142.54	146.14	137.17	114.32	105.31
Interest Paid on Deposits	17.92	19.64	9.34	1.65	2.84
Interest Paid on Borrowings	-	0.04	0.14	0	0
Total Interest Expense	17.92	19.67	9.48	1.66	2.84
Net Interest Income	124.61	126.47	127.68	112.66	102.47
Net Interest Income Growth (YoY)	-1.47%	-0.95%	13.33%	9.94%	-5.62%
Trust Income	4.94	4.49	4.18	3.86	3.85
Gain (Loss) on Sale of Assets	-	0.83	0.2	1.66	-
Gain (Loss) on Sale of Investments	-	-	-0.02	-	-
Other Non-Interest Income	21.18	20.07	19.09	17.46	17
Total Non-Interest Income	42.89	39.39	37.45	37.18	34.3
Non-Interest Income Growth (YoY)	8.88%	5.17%	0.73%	8.40%	14.98%
Revenues Before Loan Losses	167.5	165.86	165.14	149.85	136.78
Provision for Loan Losses	0.07	3.6	7.99	6.57	-8.47
Revenue	167.43	162.26	157.15	143.27	145.25
Revenue Growth (YoY)	3.18%	3.25%	9.69%	-1.36%	15.52%
Salaries and Employee Benefits	56.43	49.41	47.53	44.65	41.25
Occupancy Expenses	5.68	-	-	-	-
Federal Deposit Insurance	1.45	1.46	1.51	1.13	0.83
Amortization of Goodwill & Intangibles	1.92	2.13	1.73	1.45	1.45
Selling, General & Administrative	21.82	28.67	26.98	24.68	23.46
Other Non-Interest Expense	14.1	13.1	12.04	10.63	10.96
Total Non-Interest Expense	101.39	94.77	89.78	82.52	77.94
EBT Excluding Unusual Items	66.04	67.49	67.37	60.75	67.31
Asset Writedown	-	-	-	-	-0.78
Legal Settlements	-	-1.8	-3	-	-
Pretax Income	63.13	65.69	61.97	60.16	66.53
Income Tax Expense	14.33	14.09	13.95	13.5	15.36
Net Income	48.79	51.6	48.02	46.66	51.17
Net Income to Common	48.79	51.6	48.02	46.66	51.17
Net Income Growth	-5.45%	7.46%	2.91%	-8.81%	42.43%
Basic Shares Outstanding	18	18	18	17	17
Diluted Shares Outstanding	18	18	18	17	17
Shares Change (YoY)	-0.11%	2.41%	8.66%	-4.83%	-2.31%
EPS (Basic)	2.66	2.81	2.67	2.82	2.95
EPS (Diluted)	2.65	2.80	2.67	2.82	2.94
EPS Growth	-5.36%	4.93%	-5.38%	-4.08%	45.55%
Dividend Per Share	1.240	1.220	1.160	1.140	1.060
Dividend Growth	1.64%	5.17%	1.75%	7.55%	6.00%
Effective Tax Rate	22.70%	21.45%	22.52%	22.43%	23.09%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q