ADKT 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	51.1	47.3	41.69	35.17	35.44
Interest Income on Investments	12.36	10.14	10.35	10.76	6.6
Total Interest Income	63.45	57.44	52.04	45.93	42.04
Interest Paid on Deposits	19.5	19.26	12.05	2.1	1.12
Net Interest Income	43.95	38.18	39.99	43.83	40.92
Net Interest Income Growth (YoY)	15.12%	-4.54%	-8.75%	7.11%	6.27%
Trust Income	4.55	4.17	3.71	3.56	3.84
Gain (Loss) on Sale of Investments	-	-	-	-0.82	-0.05
Other Non-Interest Income	25.7	23.57	22.09	20.24	18.64
Total Non-Interest Income	31.3	28.59	26.66	24	24.72
Non-Interest Income Growth (YoY)	9.49%	7.26%	11.08%	-2.94%	4.73%
Revenues Before Loan Losses	75.25	66.77	66.65	67.83	65.65
Provision for Loan Losses	-	0.08	-	-	-
Revenue	75.25	66.69	66.65	67.83	65.65
Revenue Growth (YoY)	12.85%	0.06%	-1.74%	3.32%	22.44%
Salaries and Employee Benefits	35.18	32.16	30.98	28.83	27.77
Occupancy Expenses	5.14	4.67	4.87	4.66	4.43
Selling, General & Administrative	6.15	5.88	5.31	4.84	4.51
Other Non-Interest Expense	9.11	8.76	8.21	7.9	9.57
Total Non-Interest Expense	55.58	51.46	49.37	46.23	46.28
EBT Excluding Unusual Items	19.68	15.23	17.28	21.59	19.36
Pretax Income	19.68	15.23	17.28	21.59	19.36
Income Tax Expense	4.42	3.2	3.78	5.07	5
Net Income	15.26	12.03	13.49	16.53	14.37
Net Income to Common	15.26	12.03	13.49	16.53	14.37
Net Income Growth	26.87%	-10.85%	-18.36%	15.02%	72.81%
Basic Shares Outstanding	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0
Shares Change (YoY)	0.01%	0.02%	0.02%	0.02%	0.02%
EPS (Basic)	99.21	78.21	87.74	107.49	93.47
EPS (Diluted)	99.21	78.21	87.74	107.49	93.47
EPS Growth	26.86%	-10.87%	-18.37%	15.00%	72.78%
Dividend Per Share	44.380	29.125	28.625	-	25.875
Dividend Growth	52.38%	1.75%	-	-	-
Effective Tax Rate	22.45%	21.00%	21.91%	23.46%	25.80%