FCF 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	Jun '26 Jun 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	582.21	572.71	541.29	490.71	302.21	267.6
Interest Income on Investments	60.97	59.98	59.18	39.29	27.75	26.24
Total Interest Income	643.17	632.69	600.46	530	329.95	293.84
Interest Paid on Deposits	184.52	190.07	191.03	112.41	6.71	5.75
Interest Paid on Borrowings	12.92	16.53	30.54	31.92	11.02	9.55
Total Interest Expense	197.43	206.6	221.57	144.32	17.73	15.3
Net Interest Income	445.74	426.09	378.89	385.68	312.22	278.54
Net Interest Income Growth	13.32%	12.46%	-1.76%	23.53%	12.09%	3.83%
Trust Income	13.85	12.91	11.82	10.52	10.52	11.11
Gain (Loss) on Sale of Assets	-1.02	-0.65	-0.45	-0.2	-0.34	-0.3
Gain (Loss) on Sale of Investments	-3.81	-4.35	-5.45	-0.1	0	0.02
Other Non-Interest Income	51.18	51.31	55.43	54.06	57.24	55.96
Total Non-Interest Income	99.33	96.17	98.78	96.41	98.37	106.45
Non-Interest Income Growth	2.65%	-2.64%	2.46%	-1.99%	-7.60%	13.49%
Revenues Before Loan Losses	545.07	522.26	477.67	482.08	410.59	385
Provision for Loan Losses	38	36.73	29.17	14.81	21.11	-1.38
Revenue	507.07	485.53	448.5	467.27	389.48	386.37
Revenue Growth	11.54%	8.26%	-4.02%	19.97%	0.80%	26.53%
Salaries and Employee Benefits	163.69	159.08	144.39	139.07	122.33	116.41
Occupancy Expenses	20.67	20.71	19.78	19.22	18.04	16.59
Federal Deposit Insurance	5.92	6.12	5.97	6.26	2.87	2.53
Amortization of Goodwill & Intangibles	5.73	5.5	5.02	4.98	3.2	3.5
Selling, General & Administrative	52.96	52.76	49	47.75	43.13	40.6
Other Non-Interest Expense	43.31	42.7	41.14	38.75	35.2	31.61
Total Non-Interest Expense	292.29	286.87	265.31	256.04	224.76	211.23
EBT Excluding Unusual Items	214.79	198.66	183.19	211.23	164.72	175.14
Legal Settlements	-3.3	-2.93	-4.59	-4.64	-2.83	-2.32
Other Unusual Items	0.81	-	-	-	-	-
Pretax Income	211.76	191.36	178.21	197.56	160.19	172.82
Income Tax Expense	43.42	39.06	35.64	40.49	32	34.56
Net Income	168.34	152.3	142.57	157.06	128.18	138.26
Net Income to Common	168.34	152.3	142.57	157.06	128.18	138.26
Net Income Growth	25.60%	6.83%	-9.23%	22.53%	-7.29%	88.24%
Basic Shares Outstanding	103	103	102	102	94	96
Diluted Shares Outstanding	103	104	102	102	94	96
Shares Change	0.52%	1.29%	0.38%	8.45%	-2.04%	-1.96%
EPS (Basic)	1.64	1.48	1.40	1.55	1.37	1.45
EPS (Diluted)	1.64	1.47	1.39	1.54	1.37	1.44
EPS Growth	26.04%	5.75%	-9.74%	12.47%	-4.91%	92.00%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	0.550	0.540	0.520	0.500	0.480	0.460
Dividend Growth	4.76%	3.85%	4.00%	4.17%	4.35%	4.54%
Effective Tax Rate	20.50%	20.41%	20.00%	20.50%	19.98%	20.00%

SEC Filings: 10-K · 10-Q