MainStreet Bancshares, Inc. (FRA:5L0)

MainStreet Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	126.49	125.18	116.48	79.05	61.74	59.63
Interest Income on Investments	9.47	9.44	7.94	4.97	2.46	2.44
Total Interest Income	135.96	134.62	124.42	84.02	64.2	62.07
Interest Paid on Deposits	65.71	68.17	42.87	10.09	8.78	15.02
Interest Paid on Borrowings	3.57	3.88	4.81	3.28	1.88	1.07
Total Interest Expense	69.28	72.04	47.68	13.37	10.66	16.1
Net Interest Income	66.68	62.57	76.74	70.65	53.54	45.98
Net Interest Income Growth (YoY)	-1.31%	-18.46%	8.62%	31.96%	16.44%	16.59%
Gain (Loss) on Sale of Investments	0.1	-0.05	-	0	0.01	-
Other Non-Interest Income	1.49	1.3	1.19	2.41	2.83	5.5
Total Non-Interest Income	3.7	3.25	3.34	4.66	6.11	7.45
Non-Interest Income Growth (YoY)	19.76%	-2.63%	-28.34%	-23.71%	-18.00%	53.25%
Revenues Before Loan Losses	70.38	65.83	80.08	75.31	59.65	53.43
Provision for Loan Losses	5.78	6.76	1.64	2.4	-1.18	3.61
Revenue	64.6	59.06	78.44	72.91	60.82	49.82
Revenue Growth (YoY)	-7.03%	-24.70%	7.58%	19.88%	22.09%	16.72%
Salaries and Employee Benefits	29.47	27.64	25.78	21.28	17.42	16.41
Federal Deposit Insurance	1.89	1.34	1.13	0.64	1.05	1.33
Selling, General & Administrative	17.17	16.2	13.6	13.33	10.73	8.81
Other Non-Interest Expense	8.46	8.07	5.11	4.28	3.67	3.72
Total Non-Interest Expense	56.99	53.25	45.62	39.52	32.87	30.26
EBT Excluding Unusual Items	7.62	5.82	32.82	33.39	27.96	19.56
Asset Writedown	-19.72	-19.72	-	-	-	-
Pretax Income	-12.11	-13.9	32.82	33.39	27.96	19.56
Income Tax Expense	-3.25	-3.92	6.24	6.71	5.79	3.84
Net Income	-8.86	-9.98	26.59	26.67	22.17	15.72
Preferred Dividends & Other Adjustments	2.16	2.16	2.16	2.16	2.16	0.64
Net Income to Common	-11.02	-12.14	24.43	24.52	20.02	15.08
Net Income Growth	-	-	-0.33%	20.31%	41.06%	12.67%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change (YoY)	0.91%	1.11%	-0.09%	-0.40%	-7.03%	-1.45%
EPS (Basic)	-1.44	-1.60	3.25	3.26	2.65	1.85
EPS (Diluted)	-1.45	-1.60	3.25	3.26	2.65	1.85
EPS Growth	-	-	-0.28%	22.98%	43.12%	9.47%
Dividend Per Share	0.200	0.400	0.400	0.300	0.050	-
Dividend Growth	-50.00%	-	33.33%	500.00%	-	-
Effective Tax Rate	-	-	19.01%	20.11%	20.69%	19.65%

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