BankGuam Holding Company (BKGM)

BankGuam Holding Company Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	106.01	96.72	71.69	77.15	81.01
Interest Income on Investments	18.86	22.57	10.82	7.62	11.89
Total Interest Income	124.87	119.28	82.5	84.77	92.91
Interest Paid on Deposits	3.96	0.83	0.47	1.31	2.01
Interest Paid on Borrowings	2.2	1.9	1.44	0.96	0.49
Total Interest Expense	6.16	2.73	1.91	2.27	2.49
Net Interest Income	118.71	116.55	80.59	82.5	90.41
Net Interest Income Growth (YoY)	1.85%	44.62%	-2.31%	-8.75%	2.83%
Trust Income	3.8	3.88	0.67	1.7	2.67
Gain (Loss) on Sale of Investments	0.01	-0.19	0.32	0.27	0.35
Other Non-Interest Income	35.16	33.93	26.93	14.43	14.66
Total Non-Interest Income	38.96	37.62	27.93	16.39	17.68
Non-Interest Income Growth (YoY)	3.56%	34.72%	70.37%	-7.28%	12.47%
Revenues Before Loan Losses	157.67	154.17	108.52	98.89	108.09
Provision for Loan Losses	5.29	7.49	2.15	10.36	9.79
Revenue	152.38	146.68	106.37	88.53	98.3
Revenue Growth (YoY)	3.88%	37.90%	20.15%	-9.94%	8.29%
Salaries and Employee Benefits	51.16	46.99	38.98	35.75	36.34
Federal Deposit Insurance	1.37	1.58	2.16	1.4	0.89
Selling, General & Administrative	64.6	57.17	37.77	33.43	36.2
Other Non-Interest Expense	1.94	1.89	1.97	1.92	1.88
Total Non-Interest Expense	119.18	107.68	80.28	72.58	76.55
EBT Excluding Unusual Items	33.2	39	26.09	15.96	21.75
Pretax Income	33.2	39	26.09	15.96	21.75
Income Tax Expense	7.54	7.55	5.1	3.46	5.6
Earnings From Continuing Operations	25.66	31.46	21	12.49	16.15
Minority Interest in Earnings	-1.38	-0.96	-0.5	-	-
Net Income	24.27	30.5	20.5	12.49	16.15
Preferred Dividends & Other Adjustments	0.64	0.86	0.52	0.55	0.55
Net Income to Common	23.63	29.63	19.98	11.94	15.6
Net Income Growth	-20.41%	48.75%	64.11%	-22.66%	25.80%
Basic Shares Outstanding	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0
Shares Change (YoY)	-	-6.37%	0.35%	0.29%	0.45%
EPS (Basic)	1298.30	1628.19	1027.93	616.62	807.91
EPS (Diluted)	1298.30	1628.19	1027.93	616.62	807.91
EPS Growth	-20.26%	58.39%	66.70%	-23.68%	26.37%
Dividend Per Share	200.000	-	200.000	200.000	200.000
Effective Tax Rate	22.72%	19.35%	19.53%	21.71%	25.75%

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