Capital Bancorp 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	245.27	202.92	174.76	144.41	120.78
Interest Income on Investments	15.6	10.39	8.45	6.24	2.46
Total Interest Income	260.87	213.3	183.21	150.65	123.24
Interest Paid on Deposits	63.77	56.17	39.63	7.61	5.81
Interest Paid on Borrowings	1.11	2.39	2.06	2.43	0.74
Total Interest Expense	64.88	58.56	41.68	10.04	6.55
Net Interest Income	195.99	154.75	141.53	140.61	116.69
Net Interest Income Growth (YoY)	26.65%	9.34%	0.65%	20.49%	38.81%
Mortgage Banking Activities	7.47	7.15	4.9	4.87	20.84
Gain (Loss) on Sale of Investments	-	-	-	-	0.15
Other Non-Interest Income	23.03	10	1.84	1.77	1.15
Total Non-Interest Income	49.19	34.03	24.98	29.37	50.64
Non-Interest Income Growth (YoY)	44.54%	36.26%	-14.97%	-41.99%	0.98%
Revenues Before Loan Losses	245.18	188.78	166.5	169.98	167.33
Provision for Loan Losses	15.15	18.11	9.51	6.63	3.36
Revenue	230.03	170.67	156.99	163.35	163.97
Revenue Growth (YoY)	34.78%	8.71%	-3.89%	-0.38%	33.34%
Salaries and Employee Benefits	72.17	53.11	46.3	40.48	35.98
Occupancy Expenses	11.39	6.74	4.37	3.57	3.13
Selling, General & Administrative	47.01	46.32	44.87	50.37	54.1
Other Non-Interest Expense	21.15	16.11	15.22	14.88	16.52
Total Non-Interest Expense	151.72	122.29	110.77	109.11	110.09
EBT Excluding Unusual Items	78.31	48.38	46.23	54.23	53.88
Other Unusual Items	-	-2.62	-	-	-
Pretax Income	74.94	41.83	46.23	54.23	53.88
Income Tax Expense	17.77	10.86	10.35	12.43	13.9
Net Income	57.17	30.97	35.87	41.8	39.98
Net Income to Common	57.17	30.97	35.87	41.8	39.98
Net Income Growth	84.59%	-13.66%	-14.19%	4.57%	54.82%
Basic Shares Outstanding	17	15	14	14	14
Diluted Shares Outstanding	17	15	14	14	14
Shares Change (YoY)	14.53%	3.97%	-1.96%	1.99%	2.04%
EPS (Basic)	3.45	2.12	2.56	2.98	2.90
EPS (Diluted)	3.41	2.12	2.55	2.91	2.84
EPS Growth	60.85%	-16.86%	-12.37%	2.46%	51.87%
Dividend Per Share	0.460	0.360	0.300	0.230	0.150
Dividend Growth	27.78%	20.00%	30.44%	53.33%	-
Effective Tax Rate	23.72%	25.96%	22.40%	22.92%	25.80%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.