HBT 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	216.82	214.86	195.2	123.48	106.28
Interest Income on Investments	38.96	36.84	33.8	29.58	21.94
Total Interest Income	255.78	251.7	229	153.05	128.22
Interest Paid on Deposits	51.69	56.05	25.14	2.51	2.47
Interest Paid on Borrowings	5.2	6.8	12.79	4.67	3.35
Total Interest Expense	56.89	62.85	37.93	7.18	5.82
Net Interest Income	198.9	188.85	191.07	145.87	122.4
Net Interest Income Growth (YoY)	5.32%	-1.16%	30.98%	19.18%	4.08%
Trust Income	12.15	10.98	9.88	9.16	8.38
Gain (Loss) on Sale of Assets	-0.09	-0.64	0.17	0.14	-0.72
Gain (Loss) on Sale of Investments	-0.19	-3.76	-1.66	-0.41	0.11
Other Non-Interest Income	16.8	19.42	17.78	17.62	17.32
Total Non-Interest Income	38.19	35.57	36.05	34.72	37.33
Non-Interest Income Growth (YoY)	7.36%	-1.32%	3.83%	-7.00%	8.33%
Revenues Before Loan Losses	237.09	224.42	227.12	180.59	159.73
Provision for Loan Losses	3.16	3.03	1.65	-0.71	-8.08
Revenue	233.92	221.39	225.47	181.3	167.81
Revenue Growth (YoY)	5.66%	-1.81%	24.36%	8.04%	18.57%
Salaries and Employee Benefits	79.84	74.72	71.86	58.06	54.38
Federal Deposit Insurance	2.23	2.25	2.28	1.16	1.04
Amortization of Goodwill & Intangibles	2.73	2.84	2.67	0.87	1.05
Selling, General & Administrative	28.57	29.51	30.06	23.13	20.77
Other Non-Interest Expense	15.08	14.58	17.25	13.09	12.58
Total Non-Interest Expense	128.61	124.01	124.36	96.6	90.73
EBT Excluding Unusual Items	105.31	97.38	101.11	84.69	77.08
Legal Settlements	-	-	-0.8	-8.2	-
Other Unusual Items	-0.39	-	-	-	-
Pretax Income	104.51	97.38	88.58	76.19	76.56
Income Tax Expense	27.5	25.6	22.74	19.73	20.29
Net Income	77.01	71.78	65.84	56.46	56.27
Preferred Dividends & Other Adjustments	-	-	0.04	0.07	0.1
Net Income to Common	77.01	71.78	65.81	56.39	56.17
Net Income Growth	7.28%	9.02%	16.63%	0.33%	52.72%
Basic Shares Outstanding	32	32	32	29	28
Diluted Shares Outstanding	32	32	32	29	28
Shares Change (YoY)	-0.32%	-0.08%	9.75%	3.98%	1.29%
EPS (Basic)	2.44	2.27	2.08	1.95	2.02
EPS (Diluted)	2.44	2.26	2.07	1.95	2.02
EPS Growth	7.96%	9.18%	6.15%	-3.46%	50.91%
Dividend Per Share	-	0.760	0.680	0.640	0.600
Dividend Growth	-	11.77%	6.25%	6.67%	-
Effective Tax Rate	26.31%	26.29%	25.67%	25.90%	26.50%

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