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| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Loans, including fees | $387.4M-0.2% | $388.1M+19.3% | $325.1M+47.1% | $221.1M+0.7% | $219.6M |
| Taxable investment securities | $26.9M+54.6% | $17.4M-9.8% | $19.3M+69.2% | $11.4M+52.8% | $7.5M |
| Federal Home Loan Bank stock and other | $24.2M-12.1% | $27.6M+136.4% | $11.7M-0.6% | $11.7M+759.6% | $1.4M |
| Total interest income | $438.5M+1.3% | $433.0M+21.6% | $356.1M+45.8% | $244.2M+6.9% | $228.4M |
| Deposits | $85.6M-16.2% | $102.1M+98.3% | $51.5M+661.9% | $6.8M+34.1% | $5.0M |
| Securities sold under agreements to repurchase and other short-term borrowings | $504K-7.7% | $546K-4.9% | $574K+44.6% | $397K+530.2% | $63K |
| Federal Home Loan Bank advances | $17.8M-2.4% | $18.2M+19.4% | $15.2M+4392.6% | $339K+494.7% | $57K |
| Total interest expense | $103.8M-14.1% | $120.8M+79.6% | $67.3M+798.0% | $7.5M+32.2% | $5.7M |
| NET INTEREST INCOME | $334.7M+7.2% | $312.2M+8.1% | $288.8M+22.0% | $236.7M+6.3% | $222.7M |
| Provision for expected credit loss expense on loans | $31.6M-41.9% | $54.4M+14.2% | $47.6M | — | — |
| NET INTEREST INCOME AFTER PROVISION | $303.1M+17.6% | $257.8M+6.9% | $241.2M+12.5% | $214.3M+3.1% | $207.9M |
| Mortgage banking income | $7.4M+36.1% | $5.4M+53.5% | $3.5M-42.8% | $6.2M-69.0% | $20.0M |
| Program fees | $17.6M-1.2% | $17.8M+14.3% | $15.6M-3.6% | $16.2M+13.6% | $14.2M |
| Increase in cash surrender value of bank owned life insurance | $3.6M+12.1% | $3.2M+18.0% | $2.7M+7.6% | $2.5M+12.7% | $2.2M |
| Death benefits in excess of cash surrender value of life insurance | $1.7M | — | — | — | — |
| Gain on sale of Visa Class B-1 shares | $4.1M | — | — | — | — |
| Total noninterest income | $82.8M+14.0% | $72.7M+1.7% | $71.5M-20.4% | $89.8M+3.7% | $86.6M |
| Salaries and employee benefits | $127.1M+7.1% | $118.7M+2.4% | $115.9M+4.2% | $111.2M+1.0% | $110.1M |
| Technology, equipment, and communication | $34.6M+12.8% | $30.7M+5.4% | $29.1M+0.5% | $29.0M-1.4% | $29.4M |
| Occupancy | $14.2M+2.3% | $13.9M-0.8% | $14.0M+7.3% | $13.0M-1.4% | $13.2M |
| Marketing and development | $7.7M-18.2% | $9.4M+11.8% | $8.4M+22.9% | $6.9M+56.6% | $4.4M |
| FDIC insurance expense | $3.1M+1.7% | $3.0M+10.4% | $2.7M+63.5% | $1.7M+4.8% | $1.6M |
| Interchange related expense | $6.4M+9.0% | $5.8M-2.0% | $6.0M+25.0% | $4.8M-3.8% | $5.0M |
| Legal and professional fees | $3.7M+6.3% | $3.5M+8.9% | $3.2M-20.4% | $4.0M-18.3% | $4.9M |
| Core conversion and related contract consulting fees | $6.2M | — | — | — | — |
| Merger expense | $41K-98.1% | $2.2M | — | — | — |
| Total noninterest expense | $220.2M+8.6% | $202.7M+1.7% | $199.4M+6.5% | $187.3M+2.3% | $183.1M |
| INCOME BEFORE INCOME TAX EXPENSE | $165.7M+29.8% | $127.7M+12.8% | $113.2M-3.1% | $116.8M+4.8% | $111.4M |
| INCOME TAX EXPENSE | $34.4M+30.6% | $26.3M+15.3% | $22.8M-11.3% | $25.7M+8.0% | $23.8M |
| NET INCOME | $131.3M+29.5% | $101.4M+12.2% | $90.4M-0.8% | $91.1M | — |
| Service charges on deposit accounts | |||||
| Revenue | $6.0M+55.3% | $3.9M-28.6% | $5.4M | — | — |
| Net refund transfer fees | |||||
| Revenue | $6.0M+55.3% | $3.9M-28.6% | $5.4M | — | — |
| Interchange fee income | |||||
| Revenue | $6.0M+55.3% | $3.9M-28.6% | $5.4M | — | — |
| Net losses on other real estate owned | |||||
| Revenue | $6.0M+55.3% | $3.9M-28.6% | $5.4M | — | — |
| Other | |||||
| Revenue | $6.0M+55.3% | $3.9M-28.6% | $5.4M | — | — |
| Class A Common Stock | |||||
| Basic earnings per share (in dollars per share) | $6K+28.8% | $5K+13.1% | $4K+0.5% | $4K+7.4% | $4K |
| Diluted earnings per share (in dollars per share) | $6K+28.9% | $5K+12.9% | $4K+0.7% | $4K+7.2% | $4K |
| Class B Common Stock | |||||
| Basic earnings per share (in dollars per share) | $6K+28.8% | $5K+13.1% | $4K+0.5% | $4K+7.4% | $4K |
| Diluted earnings per share (in dollars per share) | $6K+28.9% | $5K+12.9% | $4K+0.7% | $4K+7.2% | $4K |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
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