← FIRSTSUN CAPITAL BANCORP
| Annual Trend | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Total interest income | $155.8m |
$156.8m
+0.64%
|
$169.4m
+7.98%
|
$266.8m
+57.55%
|
$413.7m
+55.04%
|
$459.5m
+11.08%
|
$467.8m
+1.79%
|
— | |
| Other noninterest income | $3.4m | $3.1m | $7.2m | $6.6m | $8.8m | $9.5m | $12.3m | — | |
| Total noninterest income | $71.0m | $148.4m | $124.2m | $89.6m | $79.1m | $89.8m | $101.9m | — | |
| Net interest income | $127.2m |
$136.0m
+6.86%
|
$155.2m
+14.18%
|
$241.6m
+55.66%
|
$293.4m
+21.44%
|
$296.9m
+1.19%
|
$317.4m
+6.90%
|
$390.4m
+23.00%
|
|
| Other noninterest expenses | $40.2m | $35.9m | $41.6m | $51.3m | $51.3m | $56.0m | $56.6m | — | |
| Total noninterest expense | $170.2m | $204.1m | $224.6m | $239.1m | $222.8m | $264.0m | $271.8m | — | |
| Interest expense on deposits | $23.1m | $15.6m | $8.5m | $13.2m | $101.4m | $150.7m | $145.3m | $196.2m | |
| Interest expense on securities sold under agreements to repurchase | $728k | $157k | $59k | $119k | $225k | $188k | $150k | $196.2m | |
| Interest expense on other borrowed funds | $4.8m | $5.1m | $5.5m | $11.9m | $18.7m | $11.8m | $4.9m | $196.2m | |
| Total interest expense | $28.6m | $20.9m | $14.1m | $25.2m | $120.3m | $162.6m | $150.4m | — | |
| Other interest income | $2.4m | $1.5m | $2.1m | $5.6m | $11.0m | $19.1m | $24.8m | — | |
| Net interest income after credit loss expense | $121.2m |
$112.9m
-6.87%
|
$152.2m
+34.89%
|
$223.6m
+46.87%
|
$275.2m
+23.08%
|
$269.4m
-2.12%
|
$292.8m
+8.70%
|
$390.4m
+33.33%
|
|
| Income before income taxes | $21.9m | $57.2m | $51.8m | $74.0m | $131.5m | $95.1m | $122.9m | $58.6m | |
| Provision for income taxes | $1.4m | $9.6m | $8.7m | $14.8m | $27.9m | $19.5m | $25.0m | — | |
| Net income | $20.5m |
$47.6m
+132.09%
|
$43.2m
-9.29%
|
$59.2m
+37.11%
|
$103.5m
+74.94%
|
$75.6m
-26.95%
|
$97.9m
+29.50%
|
$46.7m
-52.30%
|
|
| Basic (in dollars per share) | $1.05 | $2.60 | $2.36 | $2.55 | $4.15 | $2.76 | $3.52 | — | |
| Diluted (in dollars per share) | $1.03 | $2.58 | $2.30 | $2.48 | $4.08 | $2.69 | $3.47 | — | |
| Taxable | $15.7m | $10.1m | $8.0m | $13.2m | $17.0m | $18.5m | $17.4m | — | |
| Tax exempt | $75k | $11k | $15k | $9k | $18k | $14k | $32k | — | |
| Provision for credit losses | — | — | $3.0m | $18.1m | $18.2m | $27.6m | $24.6m | — | |
| Deposit account service fees | — | — | — | — | $9.9m | $9.5m | $8.3m | — | |
| Treasury management service fees | — | — | — | $8.8m | $11.7m | $14.8m | $17.5m | — | |
| Credit and debit card fees | $7.8m | $8.0m | $9.6m | $11.5m | $12.0m | $11.2m | $10.7m | — | |
| Trust and investment advisory fees | $3.8m | $5.2m | $7.8m | $6.8m | $5.7m | $5.8m | $5.9m | — | |
| Mortgage banking services, net | $43.0m | $122.2m | $86.4m | $46.3m | $31.4m | $39.0m | $47.1m | — | |
| Salary and employee benefits | $104.7m | $140.0m | $151.9m | $134.4m | $133.2m | $155.0m | $171.8m | — | |
| Occupancy, equipment and software | $23.4m | $26.7m | $26.6m | $30.5m | $33.4m | $36.3m | $38.2m | — | |
| Amortization and impairment of intangible assets | — | — | — | $4.2m | $4.8m | $3.5m | $2.4m | — | |
| Merger related expenses | $0 | $0 | $3.1m | $18.8m | $0 | $0 | $2.7m | — | |
| Net unrealized gain on securities available-for-sale | — | $7.3m | ($7.5m) | ($47.8m) | $758k | $3.9m | $11.8m | — | |
| Other comprehensive income | ($4.0m) | ($2.4m) | $2.4m | ($45.6m) | $976k | $3.9m | $11.8m | — | |
| Comprehensive income | $33.0m | $54.8m | $35.7m | $13.5m | $104.5m | $79.5m | $109.7m | — |