BankGuam Holding Company (BKGM)

BankGuam Holding Company Income Statement

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

Fiscal Year	TTM	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period Ending	Sep 30, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017
Interest Income on Loans	72.18	71.69	77.15	81.01	79.16	72.46
Interest Income on Investments	15.59	10.82	7.62	11.89	10.88	9.23
Total Interest Income	87.77	82.5	84.77	92.91	90.04	81.68
Interest Paid on Deposits	0.24	0.47	1.31	2.01	2.11	2.2
Interest Paid on Borrowings	1.9	1.44	0.96	0.49	0.01	-
Total Interest Expense	2.14	1.91	2.27	2.49	2.12	2.2
Net Interest Income	85.63	80.59	82.5	90.41	87.92	79.49
Net Interest Income Growth (YoY)	5.36%	-2.31%	-8.75%	2.83%	10.61%	8.29%
Trust Income	1.91	0.67	1.7	2.67	2.55	3.43
Gain (Loss) on Sale of Investments	0.04	0.32	0.27	0.35	-0.59	0
Other Non-Interest Income	30.5	26.93	14.43	14.66	13.76	13.13
Total Non-Interest Income	32.45	27.93	16.39	17.68	15.72	16.56
Non-Interest Income Growth (YoY)	28.33%	70.37%	-7.28%	12.47%	-5.10%	19.23%
Revenues Before Loan Losses	118.09	108.52	98.89	108.09	103.64	96.05
Provision for Loan Losses	1	2.15	10.36	9.79	12.86	7.52
Revenue	117.09	106.37	88.53	98.3	90.78	88.53
Revenue Growth (YoY)	19.24%	20.15%	-9.94%	8.29%	2.54%	6.16%
Salaries and Employee Benefits	40.93	38.98	35.75	36.34	36.65	34.17
Federal Deposit Insurance	1.5	2.16	1.4	0.89	1.33	1.48
Selling, General & Administrative	49.42	37.77	33.43	36.2	34.59	32.86
Other Non-Interest Expense	1.87	1.97	1.92	1.88	1.76	1.67
Total Non-Interest Expense	93.17	80.28	72.58	76.55	75.03	70.35
EBT Excluding Unusual Items	23.92	26.09	15.96	21.75	15.75	18.18
Pretax Income	23.92	26.09	15.96	21.75	15.75	18.18
Income Tax Expense	4.72	5.1	3.46	5.6	2.91	9.64
Earnings From Continuing Operations	19.2	21	12.49	16.15	12.84	8.54
Minority Interest in Earnings	-0.81	-0.5	-	-	-	-
Net Income	18.38	20.5	12.49	16.15	12.84	8.54
Preferred Dividends & Other Adjustments	0.55	0.52	0.55	0.55	0.55	0.55
Net Income to Common	17.84	19.98	11.94	15.6	12.29	7.99
Net Income Growth	-0.24%	64.11%	-22.66%	25.80%	50.27%	-36.96%
Basic Shares Outstanding	0	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0	0
Shares Change (YoY)	0.18%	0.35%	0.29%	0.45%	3.48%	0.43%
EPS (Basic)	916.74	1027.93	616.62	807.91	639.33	430.09
EPS (Diluted)	916.74	1027.93	616.62	807.91	639.33	430.00
EPS Growth	-0.50%	66.70%	-23.68%	26.37%	48.68%	-41.09%
Dividend Per Share	200.000	200.000	200.000	200.000	200.000	200.000
Effective Tax Rate	19.74%	19.53%	21.71%	25.75%	18.49%	53.00%

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