BayCom 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	114.13	104.06	106.32	95.72	76.1
Interest Income on Investments	21.26	27.65	20.02	11.34	5.51
Total Interest Income	135.39	131.71	126.34	107.07	81.61
Interest Paid on Deposits	36.82	36.14	24.04	6.27	4.88
Interest Paid on Borrowings	4.12	4.43	4.42	4.08	3.93
Total Interest Expense	40.94	40.57	28.46	10.35	8.8
Net Interest Income	94.45	91.14	97.87	96.71	72.81
Net Interest Income Growth (YoY)	3.64%	-6.88%	1.20%	32.84%	-7.01%
Gain (Loss) on Sale of Investments	-0.51	-0.04	-0.04	-4.64	1.27
Other Non-Interest Income	6.33	6.13	6.51	6.33	5.2
Total Non-Interest Income	6.09	6.38	6.98	4.44	11.27
Non-Interest Income Growth (YoY)	-4.56%	-8.60%	57.32%	-60.64%	28.41%
Revenues Before Loan Losses	100.54	97.52	104.85	101.15	84.08
Provision for Loan Losses	4.07	1.27	2.02	4.44	0.47
Revenue	96.47	96.25	102.84	96.71	83.61
Revenue Growth (YoY)	0.23%	-6.40%	6.34%	15.67%	8.94%
Salaries and Employee Benefits	40.22	38.32	40.28	38.9	32.35
Occupancy Expenses	8.59	4.7	4.26	3.96	4.1
Selling, General & Administrative	7.87	12.62	12.14	11.93	10.91
Other Non-Interest Expense	7.17	8.49	8	8.08	7.76
Total Non-Interest Expense	63.86	64.13	64.68	62.86	55.13
EBT Excluding Unusual Items	32.62	32.12	38.16	33.85	28.48
Other Unusual Items	-	-	-	1.67	-
Pretax Income	32.62	32.12	38.16	32.44	28.48
Income Tax Expense	8.69	8.51	10.73	8.71	7.79
Net Income	23.93	23.61	27.43	23.73	20.69
Net Income to Common	23.93	23.61	27.43	23.73	20.69
Net Income Growth	1.34%	-13.90%	15.57%	14.69%	50.74%
Basic Shares Outstanding	11	11	12	13	11
Diluted Shares Outstanding	11	11	12	13	11
Shares Change (YoY)	-2.41%	-6.72%	-8.00%	20.60%	-9.05%
EPS (Basic)	2.18	2.10	2.27	1.81	1.90
EPS (Diluted)	2.18	2.10	2.27	1.81	1.90
EPS Growth	3.85%	-7.63%	25.55%	-4.84%	65.63%
Dividend Per Share	0.900	0.450	0.400	0.200	-
Dividend Growth	100.00%	12.50%	100.00%	-	-
Effective Tax Rate	26.63%	26.48%	28.13%	26.85%	27.35%

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