American Riviera Bancorp (ARBV)

American Riviera Bancorp 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	56.08	52.54	47.69	40.52	37.97	33.22
Interest Income on Investments	7.1	7.6	8	8.26	2.07	1.55
Total Interest Income	63.18	60.13	55.68	48.78	40.04	34.77
Interest Paid on Deposits	16.56	15.12	8.49	1.36	0.95	1.99
Interest Paid on Borrowings	1.38	3.79	2.91	0.57	-	0.12
Total Interest Expense	17.93	18.91	11.4	1.93	0.95	2.11
Net Interest Income	45.25	41.22	44.29	46.85	39.09	32.65
Net Interest Income Growth (YoY)	8.64%	-6.92%	-5.46%	19.84%	19.71%	23.29%
Gain (Loss) on Sale of Assets	-	-	-0.07	-	-	-
Gain (Loss) on Sale of Investments	0.01	0.01	-0.54	-0.09	0.01	0.15
Other Non-Interest Income	2.69	3.36	3	2.9	3.13	2.39
Total Non-Interest Income	3	3.67	2.48	3.35	3.59	2.87
Non-Interest Income Growth (YoY)	-15.81%	48.34%	-26.02%	-6.64%	25.00%	2.76%
Revenues Before Loan Losses	48.24	44.89	46.76	50.19	42.67	35.52
Provision for Loan Losses	1.56	0.39	0.17	1.15	0.34	2.12
Revenue	46.69	44.5	46.59	49.05	42.34	33.4
Revenue Growth (YoY)	3.52%	-4.49%	-5.01%	15.85%	26.75%	17.32%
Salaries and Employee Benefits	19.56	18.74	17.64	17.28	15.14	13.57
Occupancy Expenses	2.37	2.33	2.04	1.76	1.67	1.65
Selling, General & Administrative	3.72	3.72	3.79	3.43	2.86	2.71
Other Non-Interest Expense	7.72	7.87	8.62	7.83	6.3	5.13
Total Non-Interest Expense	33.37	32.65	32.09	30.29	25.96	23.06
EBT Excluding Unusual Items	13.32	11.85	14.5	18.76	16.38	10.34
Other Unusual Items	0.45	0.45	-	-	-	-
Pretax Income	13.77	12.3	14.5	18.76	16.38	10.34
Income Tax Expense	3.85	3.56	3.99	5.26	4.55	2.96
Net Income	9.91	8.74	10.51	13.49	11.83	7.38
Net Income to Common	9.91	8.74	10.51	13.49	11.83	7.38
Net Income Growth	11.02%	-16.85%	-22.09%	14.08%	60.33%	15.41%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	-1.60%	0.82%	1.75%	0.32%	1.59%	3.49%
EPS (Basic)	1.73	1.50	1.82	2.38	2.09	1.33
EPS (Diluted)	1.73	1.50	1.82	2.38	2.09	1.32
EPS Growth	12.80%	-17.58%	-23.53%	13.88%	58.55%	10.83%
Effective Tax Rate	27.98%	28.93%	27.52%	28.06%	27.76%	28.65%

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