American Riviera Bancorp (ARBV)

American Riviera Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	59.89	58.09	52.54	47.69	40.52	37.97
Interest Income on Investments	7.33	7.47	7.6	8	8.26	2.07
Total Interest Income	67.22	65.57	60.13	55.68	48.78	40.04
Interest Paid on Deposits	16	16.28	15.12	8.49	1.36	0.95
Interest Paid on Borrowings	1.37	1.37	3.79	2.91	0.57	-
Total Interest Expense	17.38	17.66	18.91	11.4	1.93	0.95
Net Interest Income	49.85	47.91	41.22	44.29	46.85	39.09
Net Interest Income Growth (YoY)	18.29%	16.23%	-6.92%	-5.46%	19.84%	19.71%
Gain (Loss) on Sale of Assets	-	-	-	-0.07	-	-
Gain (Loss) on Sale of Investments	-0.04	-0.04	0.01	-0.54	-0.09	0.01
Other Non-Interest Income	3.87	3.49	3.36	3	2.9	3.13
Total Non-Interest Income	3.9	3.51	3.67	2.48	3.35	3.59
Non-Interest Income Growth (YoY)	8.12%	-4.33%	48.34%	-26.02%	-6.64%	25.00%
Revenues Before Loan Losses	53.75	51.42	44.89	46.76	50.19	42.67
Provision for Loan Losses	0.7	1.04	0.39	0.17	1.15	0.34
Revenue	53.05	50.39	44.5	46.59	49.05	42.34
Revenue Growth (YoY)	17.82%	13.23%	-4.49%	-5.01%	15.85%	26.75%
Salaries and Employee Benefits	21.02	20.61	18.74	17.64	17.28	15.14
Occupancy Expenses	2.2	2.21	2.33	2.04	1.76	1.67
Selling, General & Administrative	3.53	3.53	3.72	3.79	3.43	2.86
Other Non-Interest Expense	8.25	7.97	7.87	8.62	7.83	6.3
Total Non-Interest Expense	35	34.31	32.65	32.09	30.29	25.96
EBT Excluding Unusual Items	18.05	16.08	11.85	14.5	18.76	16.38
Other Unusual Items	-	-	0.45	-	-	-
Pretax Income	18.05	16.08	12.3	14.5	18.76	16.38
Income Tax Expense	3.98	3.64	3.56	3.99	5.26	4.55
Net Income	14.08	12.45	8.74	10.51	13.49	11.83
Net Income to Common	14.08	12.45	8.74	10.51	13.49	11.83
Net Income Growth	58.44%	42.36%	-16.85%	-22.09%	14.08%	60.33%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	-2.18%	-1.77%	0.82%	1.75%	0.32%	1.59%
EPS (Basic)	2.47	2.18	1.50	1.82	2.38	2.09
EPS (Diluted)	2.47	2.18	1.50	1.82	2.38	2.09
EPS Growth	62.30%	45.22%	-17.58%	-23.53%	13.88%	58.55%
Effective Tax Rate	22.02%	22.61%	28.93%	27.52%	28.06%	27.76%

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