PCB 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	180.35	164.3	136.03	95.05	79.16
Interest Income on Investments	17.19	16.52	15.15	6.7	2.32
Total Interest Income	197.54	180.82	151.18	101.75	81.47
Interest Paid on Deposits	92.26	90.49	62.17	11.98	4.04
Interest Paid on Borrowings	1.4	1.71	0.51	0.14	0.29
Total Interest Expense	93.66	92.2	62.67	12.12	4.34
Net Interest Income	103.88	88.62	88.5	89.63	77.14
Net Interest Income Growth (YoY)	17.22%	0.13%	-1.26%	16.20%	16.54%
Other Non-Interest Income	5.68	5.8	5.64	5.18	4.31
Total Non-Interest Income	11.84	11.09	10.68	14.5	18.43
Non-Interest Income Growth (YoY)	6.70%	3.84%	-26.32%	-21.35%	57.02%
Revenues Before Loan Losses	115.71	99.71	99.19	104.13	95.57
Provision for Loan Losses	4.03	3.4	-0.13	3.6	-4.6
Revenue	111.69	96.31	99.32	100.53	100.17
Revenue Growth (YoY)	15.97%	-3.03%	-1.20%	0.36%	54.79%
Salaries and Employee Benefits	36.55	35.16	34.08	32.52	27.52
Occupancy Expenses	9.24	5.49	4.78	3.73	3
Selling, General & Administrative	7.16	11.83	11.35	10.09	9.01
Other Non-Interest Expense	5.29	7.55	5.84	4.79	3.68
Total Non-Interest Expense	58.24	60.02	56.06	51.13	43.21
EBT Excluding Unusual Items	53.45	36.29	43.26	49.4	56.96
Asset Writedown	-0.24	-	-	-	-
Legal Settlements	-0.22	-	-	-	-
Other Unusual Items	-0.51	-	-	-	-
Pretax Income	52.49	36.29	43.26	49.4	56.96
Income Tax Expense	15.04	10.48	12.56	14.42	16.86
Net Income	37.45	25.81	30.71	34.99	40.1
Preferred Dividends & Other Adjustments	0.3	0.88	0.1	0.16	0.16
Net Income to Common	37.15	24.93	30.61	34.83	39.95
Net Income Growth	45.11%	-15.94%	-12.24%	-12.76%	147.93%
Basic Shares Outstanding	14	14	14	15	15
Diluted Shares Outstanding	14	14	14	15	15
Shares Change (YoY)	-0.44%	-0.52%	-4.30%	-1.24%	-1.26%
EPS (Basic)	2.62	1.75	2.14	2.35	2.66
EPS (Diluted)	2.58	1.74	2.12	2.31	2.62
EPS Growth	48.28%	-17.93%	-8.22%	-11.83%	151.92%
Dividend Per Share	0.800	0.720	0.690	0.600	0.440
Dividend Growth	11.11%	4.35%	15.00%	36.36%	10.00%
Effective Tax Rate	28.64%	28.87%	29.03%	29.18%	29.59%

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