FCF 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	632.69	541.29	490.71	302.21	267.6
Interest Income on Investments	-	59.18	39.29	27.75	26.24
Total Interest Income	632.69	600.46	530	329.95	293.84
Interest Paid on Deposits	206.6	191.03	112.41	6.71	5.75
Interest Paid on Borrowings	-	30.54	31.92	11.02	9.55
Total Interest Expense	206.6	221.57	144.32	17.73	15.3
Net Interest Income	426.09	378.89	385.68	312.22	278.54
Net Interest Income Growth (YoY)	12.46%	-1.76%	23.53%	12.09%	3.83%
Trust Income	12.91	11.82	10.52	10.52	11.11
Gain (Loss) on Sale of Assets	-0.65	-0.45	-0.2	-0.34	-0.3
Gain (Loss) on Sale of Investments	0.8	-5.45	-0.1	0	0.02
Other Non-Interest Income	46.16	55.43	54.06	57.24	55.96
Total Non-Interest Income	96.17	98.78	96.41	98.37	106.45
Non-Interest Income Growth (YoY)	-2.64%	2.46%	-1.99%	-7.60%	13.49%
Revenues Before Loan Losses	522.26	477.67	482.08	410.59	385
Provision for Loan Losses	36.73	29.17	14.81	21.11	-1.38
Revenue	485.53	448.5	467.27	389.48	386.37
Revenue Growth (YoY)	8.26%	-4.02%	19.97%	0.80%	26.53%
Salaries and Employee Benefits	163.98	144.39	139.07	122.33	116.41
Occupancy Expenses	20.71	19.78	19.22	18.04	16.59
Federal Deposit Insurance	6.12	5.97	6.26	2.87	2.53
Amortization of Goodwill & Intangibles	5.5	5.02	4.98	3.2	3.5
Selling, General & Administrative	47.86	49	47.75	43.13	40.6
Other Non-Interest Expense	42.7	41.14	38.75	35.2	31.61
Total Non-Interest Expense	286.87	265.31	256.04	224.76	211.23
EBT Excluding Unusual Items	198.66	183.19	211.23	164.72	175.14
Legal Settlements	-2.93	-4.59	-4.64	-2.83	-2.32
Pretax Income	191.36	178.21	197.56	160.19	172.82
Income Tax Expense	39.06	35.64	40.49	32	34.56
Net Income	152.3	142.57	157.06	128.18	138.26
Net Income to Common	152.3	142.57	157.06	128.18	138.26
Net Income Growth	6.83%	-9.23%	22.53%	-7.29%	88.24%
Basic Shares Outstanding	104	102	102	94	96
Diluted Shares Outstanding	104	102	102	94	96
Shares Change (YoY)	1.29%	0.38%	8.45%	-2.04%	-1.96%
EPS (Basic)	1.47	1.40	1.55	1.37	1.45
EPS (Diluted)	1.47	1.39	1.54	1.37	1.44
EPS Growth	5.75%	-9.74%	12.47%	-4.91%	92.00%
Dividend Per Share	0.540	0.520	0.500	0.480	0.460
Dividend Growth	3.85%	4.00%	4.17%	4.35%	4.54%
Effective Tax Rate	20.41%	20.00%	20.50%	19.98%	20.00%

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

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