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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	154.64	139.7	126.54	99	86.8	77.6
Interest Income on Investments	35.96	35.53	32.59	28.75	22.08	15.7
Total Interest Income	190.59	175.23	159.13	127.75	108.88	93.29
Interest Paid on Deposits	45.07	47.1	27.65	2.43	1.82	2.75
Interest Paid on Borrowings	0	4.16	9.56	0.27	0	0.13
Total Interest Expense	45.07	51.26	37.21	2.69	1.82	2.88
Net Interest Income	145.52	123.97	121.92	125.06	107.06	90.41
Net Interest Income Growth (YoY)	20.49%	1.68%	-2.51%	16.81%	18.41%	15.48%
Gain (Loss) on Sale of Investments	-4.38	-1.39	-1.07	-0.08	-0.03	-0.17
Other Non-Interest Income	4.78	4.75	5.03	2.76	3.24	3
Total Non-Interest Income	5.54	8.02	8.84	6.72	6.53	5.51
Non-Interest Income Growth (YoY)	-27.52%	-9.28%	31.54%	3.04%	18.54%	-3.75%
Revenues Before Loan Losses	151.07	131.99	130.76	131.78	113.59	95.92
Provision for Loan Losses	2.16	0.98	3.4	4.51	1.95	2.56
Revenue	148.91	131.01	127.36	127.27	111.63	93.35
Revenue Growth (YoY)	16.66%	2.86%	0.07%	14.01%	19.58%	15.63%
Salaries and Employee Benefits	50.06	46	43.12	38.9	37.37	35.16
Occupancy Expenses	3.1	2.67	2.88	2.86	2.89	2.15
Selling, General & Administrative	17.19	16.07	14.93	13.74	11.97	11.81
Other Non-Interest Expense	6.61	6.09	5.72	5.24	6.58	5.07
Total Non-Interest Expense	76.95	70.83	66.65	60.75	58.82	54.19
EBT Excluding Unusual Items	71.96	60.18	60.71	66.52	52.82	39.16
Pretax Income	71.96	60.18	60.71	66.52	52.82	39.16
Income Tax Expense	20.09	16.9	16.75	17.96	13.65	10.39
Net Income	51.87	43.28	43.97	48.56	39.16	28.77
Net Income to Common	51.87	43.28	43.97	48.56	39.16	28.77
Net Income Growth	23.05%	-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)	0.03%	0.88%	0.47%	1.61%	1.30%	10.44%
EPS (Basic)	5.63	4.67	4.78	5.34	4.39	3.24
EPS (Diluted)	5.58	4.64	4.76	5.28	4.33	3.22
EPS Growth	22.88%	-2.52%	-9.85%	21.94%	34.47%	17.95%
Effective Tax Rate	27.92%	28.09%	27.58%	27.00%	25.85%	26.52%

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