Investar Holding 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	126.73	128.5	117.89	93.37	90.23
Interest Income on Investments	17.28	15.37	15.31	11.2	5.31
Total Interest Income	144.02	143.87	133.2	104.57	95.54
Interest Paid on Deposits	57.87	61.51	42.07	6.25	7.49
Interest Paid on Borrowings	5.38	12.6	16.61	8.53	4.24
Total Interest Expense	63.24	74.11	58.68	14.78	11.73
Net Interest Income	80.77	69.75	74.52	89.79	83.81
Net Interest Income Growth (YoY)	15.80%	-6.40%	-17.00%	7.12%	13.98%
Gain (Loss) on Sale of Assets	-0.01	0.43	-1.32	-0.26	-0.41
Gain (Loss) on Sale of Investments	0.28	-0.34	-0.39	-0.08	2.54
Other Non-Interest Income	5.91	9.07	5.2	14.17	7.3
Total Non-Interest Income	9.46	13.08	6.54	16.97	12.04
Non-Interest Income Growth (YoY)	-27.67%	100.11%	-61.46%	40.89%	-0.45%
Revenues Before Loan Losses	90.24	82.84	81.06	106.75	95.86
Provision for Loan Losses	-3.39	-3.48	-2	2.92	22.89
Revenue	93.63	86.32	83.06	103.83	72.97
Revenue Growth (YoY)	8.47%	3.92%	-20.00%	42.29%	-2.01%
Salaries and Employee Benefits	40.23	36.66	35.16	32.87	33.79
Occupancy Expenses	2.79	3.1	3.78	4.44	4.99
Selling, General & Administrative	8.63	10.31	10.7	10.66	9.47
Other Non-Interest Expense	13.06	13.06	13	12.68	12.37
Total Non-Interest Expense	64.71	63.12	62.63	60.64	60.61
EBT Excluding Unusual Items	28.92	23.19	20.43	43.19	12.36
Asset Writedown	-	-0.2	-	-	-
Legal Settlements	-	1.12	-	-	-
Other Unusual Items	-	0.29	-	-0.22	-
Pretax Income	27.89	24.41	20.43	44.35	9.91
Income Tax Expense	4.98	4.15	3.75	8.64	1.91
Net Income	22.9	20.25	16.68	35.71	8
Preferred Dividends & Other Adjustments	1.06	-	0	0.03	0.02
Net Income to Common	21.85	20.25	16.68	35.68	7.98
Net Income Growth	13.10%	21.43%	-53.30%	346.36%	-42.40%
Basic Shares Outstanding	10	10	10	10	10
Diluted Shares Outstanding	10	10	10	10	11
Shares Change (YoY)	3.23%	0.96%	-3.33%	-3.04%	-3.36%
EPS (Basic)	2.22	2.06	1.69	3.54	0.77
EPS (Diluted)	2.13	2.04	1.69	3.50	0.76
EPS Growth	4.41%	20.71%	-51.71%	360.53%	-40.16%
Dividend Per Share	0.435	0.410	0.395	0.365	0.310
Dividend Growth	6.10%	3.80%	8.22%	17.74%	24.00%
Effective Tax Rate	17.87%	17.02%	18.36%	19.48%	19.27%

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