Beacon Financial 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	767.55	587.93	533.74	328.77	297.93
Interest Income on Investments	65.23	40.59	43.55	16.42	13.6
Total Interest Income	832.79	628.52	577.29	345.19	311.53
Interest Paid on Deposits	280.5	232.96	175.67	29.59	20.71
Interest Paid on Borrowings	49.18	65.97	61.91	15.82	8.44
Total Interest Expense	329.68	298.94	237.58	45.42	29.16
Net Interest Income	503.11	329.59	339.71	299.77	282.37
Net Interest Income Growth (YoY)	52.65%	-2.98%	13.32%	6.16%	8.54%
Trust Income	9.75	-	-	-	-
Gain (Loss) on Sale of Investments	-0.01	0.36	1.37	0.22	-0.04
Other Non-Interest Income	14.85	14.12	16.04	12.97	12.71
Total Non-Interest Income	49.88	25.97	31.6	28.25	26.99
Non-Interest Income Growth (YoY)	92.04%	-17.79%	11.86%	4.65%	9.52%
Revenues Before Loan Losses	552.99	355.56	371.31	328.02	309.36
Provision for Loan Losses	41.38	22	37.87	8.53	-7.84
Revenue	511.61	333.56	333.44	319.49	317.2
Revenue Growth (YoY)	53.38%	0.03%	4.37%	0.72%	42.29%
Salaries and Employee Benefits	191.2	139.82	134.8	109.83	103.81
Occupancy Expenses	-	13.07	11.68	9.7	8.8
Federal Deposit Insurance	7.81	8.04	7.84	3.18	2.98
Amortization of Goodwill & Intangibles	15.23	6.75	7.84	0.49	0.88
Selling, General & Administrative	88.65	52.63	51.58	40.83	36.33
Other Non-Interest Expense	25.16	17.35	18.38	13.26	9.82
Total Non-Interest Expense	328.05	237.66	232.11	177.29	162.61
EBT Excluding Unusual Items	183.56	95.89	101.33	142.2	154.59
Pretax Income	121.86	91.69	93.91	139.95	154.59
Income Tax Expense	31.59	22.98	18.92	30.21	39.15
Earnings From Continuing Operations	90.27	68.72	75	109.74	115.44
Net Income	90.27	68.72	75	109.74	115.44
Net Income to Common	90.27	68.72	75	109.74	115.44
Net Income Growth	31.37%	-8.38%	-31.66%	-4.93%	142.34%
Basic Shares Outstanding	87	89	88	77	78
Diluted Shares Outstanding	88	89	88	77	78
Shares Change (YoY)	-1.74%	0.96%	14.35%	-1.14%	-1.09%
EPS (Basic)	1.03	0.77	0.85	1.42	1.48
EPS (Diluted)	1.03	0.77	0.85	1.42	1.48
EPS Growth	33.77%	-9.41%	-40.14%	-4.05%	146.67%
Dividend Per Share	0.645	0.540	0.540	0.530	0.480
Dividend Growth	19.44%	-	1.89%	10.42%	4.35%
Effective Tax Rate	25.92%	25.06%	20.14%	21.58%	25.33%

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