FCBC Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	128.72	123.34	129.87	126.73	104.57	102.83
Interest Income on Investments	25.16	19.19	16.27	10.44	9.75	2.48
Total Interest Income	153.87	142.54	146.14	137.17	114.32	105.31
Interest Paid on Deposits	17.48	17.92	19.64	9.34	1.65	2.84
Interest Paid on Borrowings	-	-	0.04	0.14	0	0
Total Interest Expense	17.48	17.92	19.67	9.48	1.66	2.84
Net Interest Income	136.4	124.61	126.47	127.68	112.66	102.47
Net Interest Income Growth	10.37%	-1.47%	-0.95%	13.33%	9.94%	-5.62%
Trust Income	5.2	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	0.21	-	-	-0.02	-	-
Other Non-Interest Income	34.84	21.18	20.07	19.09	17.46	17
Total Non-Interest Income	57.87	42.89	39.39	37.45	37.18	34.3
Non-Interest Income Growth	38.47%	8.88%	5.17%	0.73%	8.40%	14.98%
Revenues Before Loan Losses	194.27	167.5	165.86	165.14	149.85	136.78
Provision for Loan Losses	1.58	0.07	3.6	7.99	6.57	-8.47
Revenue	192.69	167.43	162.26	157.15	143.27	145.25
Revenue Growth	17.31%	3.18%	3.25%	9.69%	-1.36%	15.52%
Salaries and Employee Benefits	55.68	52.92	49.41	47.53	44.65	41.25
Federal Deposit Insurance	1.6	1.45	1.46	1.51	1.13	0.83
Amortization of Goodwill & Intangibles	2.95	1.92	2.13	1.73	1.45	1.45
Selling, General & Administrative	31.75	31.01	28.67	26.98	24.68	23.46
Other Non-Interest Expense	15.19	14.1	13.1	12.04	10.63	10.96
Total Non-Interest Expense	107.43	101.39	94.77	89.78	82.52	77.94
EBT Excluding Unusual Items	85.26	66.04	67.49	67.37	60.75	67.31
Asset Writedown	-	-	-	-	-	-0.78
Legal Settlements	-	-	-1.8	-3	-	-
Pretax Income	80.83	63.13	65.69	61.97	60.16	66.53
Income Tax Expense	18.4	14.33	14.09	13.95	13.5	15.36
Net Income	62.43	48.79	51.6	48.02	46.66	51.17
Net Income to Common	62.43	48.79	51.6	48.02	46.66	51.17
Net Income Growth	26.45%	-5.45%	7.46%	2.91%	-8.81%	42.43%
Basic Shares Outstanding	19	18	18	18	17	17
Diluted Shares Outstanding	19	18	18	18	17	17
Shares Change	2.27%	-0.11%	2.24%	8.85%	-4.83%	-2.31%
EPS (Basic)	3.33	2.66	2.81	2.67	2.82	2.95
EPS (Diluted)	3.31	2.65	2.80	2.67	2.82	2.94
EPS Growth	23.68%	-5.36%	4.93%	-5.38%	-4.08%	45.55%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	1.280	1.240	1.200	1.160	1.140	1.060
Dividend Growth	3.23%	3.33%	3.45%	1.75%	7.55%	6.00%
Effective Tax Rate	22.76%	22.70%	21.45%	22.52%	22.43%	23.09%

SEC Filings: 10-K · 10-Q