American Business Bank (AMBZ)

American Business Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	148.78	139.7	126.54	99	86.8	77.6
Interest Income on Investments	35.54	35.53	32.59	28.75	22.08	15.7
Total Interest Income	184.32	175.23	159.13	127.75	108.88	93.29
Interest Paid on Deposits	46.91	47.1	27.65	2.43	1.82	2.75
Interest Paid on Borrowings	0.36	4.16	9.56	0.27	0	0.13
Total Interest Expense	47.27	51.26	37.21	2.69	1.82	2.88
Net Interest Income	137.05	123.97	121.92	125.06	107.06	90.41
Net Interest Income Growth (YoY)	14.51%	1.68%	-2.51%	16.81%	18.41%	15.48%
Gain (Loss) on Sale of Investments	-2.41	-1.39	-1.07	-0.08	-0.03	-0.17
Other Non-Interest Income	4.48	4.75	5.03	2.76	3.24	3
Total Non-Interest Income	7.23	8.02	8.84	6.72	6.53	5.51
Non-Interest Income Growth (YoY)	-6.02%	-9.28%	31.54%	3.04%	18.54%	-3.75%
Revenues Before Loan Losses	144.28	131.99	130.76	131.78	113.59	95.92
Provision for Loan Losses	1.99	0.98	3.4	4.51	1.95	2.56
Revenue	142.3	131.01	127.36	127.27	111.63	93.35
Revenue Growth (YoY)	13.16%	2.86%	0.07%	14.01%	19.58%	15.63%
Salaries and Employee Benefits	48.8	46	43.12	38.9	37.37	35.16
Occupancy Expenses	2.92	2.67	2.88	2.86	2.89	2.15
Selling, General & Administrative	17.07	16.07	14.93	13.74	11.97	11.81
Other Non-Interest Expense	6.57	6.09	5.72	5.24	6.58	5.07
Total Non-Interest Expense	75.36	70.83	66.65	60.75	58.82	54.19
EBT Excluding Unusual Items	66.94	60.18	60.71	66.52	52.82	39.16
Pretax Income	66.94	60.18	60.71	66.52	52.82	39.16
Income Tax Expense	18.62	16.9	16.75	17.96	13.65	10.39
Net Income	48.32	43.28	43.97	48.56	39.16	28.77
Net Income to Common	48.32	43.28	43.97	48.56	39.16	28.77
Net Income Growth	16.30%	-1.57%	-9.46%	23.99%	36.11%	30.33%
Basic Shares Outstanding	9	9	9	9	9	9
Diluted Shares Outstanding	9	9	9	9	9	9
Shares Change (YoY)	0.53%	0.88%	0.47%	1.61%	1.30%	10.44%
EPS (Basic)	5.22	4.67	4.78	5.34	4.39	3.24
EPS (Diluted)	5.18	4.64	4.76	5.28	4.33	3.22
EPS Growth	15.60%	-2.52%	-9.85%	21.94%	34.47%	17.95%
Effective Tax Rate	27.81%	28.09%	27.58%	27.00%	25.85%	26.52%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.