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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	143.52	139.7	126.54	99	86.8	77.6
Interest Income on Investments	35.77	35.53	32.59	28.75	22.08	15.7
Total Interest Income	179.29	175.23	159.13	127.75	108.88	93.29
Interest Paid on Deposits	47.41	47.1	27.65	2.43	1.82	2.75
Interest Paid on Borrowings	2.57	4.16	9.56	0.27	0	0.13
Total Interest Expense	49.98	51.26	37.21	2.69	1.82	2.88
Net Interest Income	129.31	123.97	121.92	125.06	107.06	90.41
Net Interest Income Growth (YoY)	8.36%	1.68%	-2.51%	16.81%	18.41%	15.48%
Gain (Loss) on Sale of Investments	-1.72	-1.39	-1.07	-0.08	-0.03	-0.17
Other Non-Interest Income	4.36	4.75	5.03	2.76	3.24	3
Total Non-Interest Income	7.48	8.02	8.84	6.72	6.53	5.51
Non-Interest Income Growth (YoY)	-10.64%	-9.28%	31.54%	3.04%	18.54%	-3.75%
Revenues Before Loan Losses	136.79	131.99	130.76	131.78	113.59	95.92
Provision for Loan Losses	1.63	0.98	3.4	4.51	1.95	2.56
Revenue	135.16	131.01	127.36	127.27	111.63	93.35
Revenue Growth (YoY)	8.51%	2.86%	0.07%	14.01%	19.58%	15.63%
Salaries and Employee Benefits	47.22	46	43.12	38.9	37.37	35.16
Occupancy Expenses	2.76	2.67	2.88	2.86	2.89	2.15
Selling, General & Administrative	16.74	16.07	14.93	13.74	11.97	11.81
Other Non-Interest Expense	6.39	6.09	5.72	5.24	6.58	5.07
Total Non-Interest Expense	73.11	70.83	66.65	60.75	58.82	54.19
EBT Excluding Unusual Items	62.04	60.18	60.71	66.52	52.82	39.16
Pretax Income	62.04	60.18	60.71	66.52	52.82	39.16
Income Tax Expense	17.37	16.9	16.75	17.96	13.65	10.39
Net Income	44.67	43.28	43.97	48.56	39.16	28.77
Net Income to Common	44.67	43.28	43.97	48.56	39.16	28.77
Net Income Growth	7.95%	-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)	0.90%	0.88%	0.47%	1.61%	1.30%	10.44%
EPS (Basic)	4.82	4.67	4.78	5.34	4.39	3.24
EPS (Diluted)	4.78	4.64	4.76	5.28	4.33	3.22
EPS Growth	6.93%	-2.52%	-9.85%	21.94%	34.47%	17.95%
Effective Tax Rate	28.01%	28.09%	27.58%	27.00%	25.85%	26.52%

Updated Jan 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.