American Business Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	166.18	160.85	139.7	126.54	99	86.8
Interest Income on Investments	35.65	35.58	35.53	32.59	28.75	22.08
Total Interest Income	201.83	196.43	175.23	159.13	127.75	108.88
Interest Paid on Deposits	41.71	43.25	47.1	27.65	2.43	1.82
Interest Paid on Borrowings	0	0	4.16	9.56	0.27	0
Total Interest Expense	41.71	43.25	51.26	37.21	2.69	1.82
Net Interest Income	160.11	153.18	123.97	121.92	125.06	107.06
Net Interest Income Growth (YoY)	23.82%	23.56%	1.68%	-2.51%	16.81%	18.41%
Gain (Loss) on Sale of Investments	-8.23	-7.29	-1.39	-1.07	-0.08	-0.03
Other Non-Interest Income	5.23	4.97	4.75	5.03	2.76	3.24
Total Non-Interest Income	2.62	2.93	8.02	8.84	6.72	6.53
Non-Interest Income Growth (YoY)	-64.90%	-63.55%	-9.28%	31.54%	3.04%	18.54%
Revenues Before Loan Losses	162.74	156.11	131.99	130.76	131.78	113.59
Provision for Loan Losses	2.93	2.77	0.98	3.4	4.51	1.95
Revenue	159.81	153.34	131.01	127.36	127.27	111.63
Revenue Growth (YoY)	18.24%	17.04%	2.86%	0.07%	14.01%	19.58%
Salaries and Employee Benefits	52.01	50.71	46	43.12	38.9	37.37
Occupancy Expenses	2.86	2.76	2.67	2.88	2.86	2.89
Selling, General & Administrative	18.26	18.18	16.07	14.93	13.74	11.97
Other Non-Interest Expense	6.67	6.61	6.09	5.72	5.24	6.58
Total Non-Interest Expense	79.8	78.25	70.83	66.65	60.75	58.82
EBT Excluding Unusual Items	80.01	75.09	60.18	60.71	66.52	52.82
Pretax Income	80.01	75.09	60.18	60.71	66.52	52.82
Income Tax Expense	21.83	20.89	16.9	16.75	17.96	13.65
Net Income	58.18	54.2	43.28	43.97	48.56	39.16
Net Income to Common	58.18	54.2	43.28	43.97	48.56	39.16
Net Income Growth	30.25%	25.25%	-1.57%	-9.46%	23.99%	36.11%
Basic Shares Outstanding	9	9	9	9	9	9
Diluted Shares Outstanding	9	9	9	9	9	9
Shares Change (YoY)	-1.41%	-0.70%	0.88%	0.47%	1.61%	1.30%
EPS (Basic)	6.38	5.91	4.67	4.78	5.34	4.39
EPS (Diluted)	6.32	5.86	4.64	4.76	5.28	4.33
EPS Growth	32.27%	26.29%	-2.52%	-9.85%	21.94%	34.47%
Dividend Per Share	1.300	1.000	-	-	-	-
Effective Tax Rate	27.28%	27.82%	28.09%	27.58%	27.00%	25.85%

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