BankGuam Holding Company (BKGM)

BankGuam Holding Company Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	114.95	106.01	96.72	71.69	77.15
Interest Income on Investments	21.19	18.86	22.57	10.82	7.62
Total Interest Income	136.15	124.87	119.28	82.5	84.77
Interest Paid on Deposits	11.43	3.96	0.83	0.47	1.31
Interest Paid on Borrowings	2.21	2.2	1.9	1.44	0.96
Total Interest Expense	13.64	6.16	2.73	1.91	2.27
Net Interest Income	122.51	118.71	116.55	80.59	82.5
Net Interest Income Growth (YoY)	3.20%	1.85%	44.62%	-2.31%	-8.75%
Trust Income	3.53	3.8	3.88	0.67	1.7
Gain (Loss) on Sale of Investments	-	0.01	-0.19	0.32	0.27
Other Non-Interest Income	36.59	35.16	33.93	26.93	14.43
Total Non-Interest Income	40.12	38.96	37.62	27.93	16.39
Non-Interest Income Growth (YoY)	2.97%	3.56%	34.72%	70.37%	-7.28%
Revenues Before Loan Losses	162.63	157.67	154.17	108.52	98.89
Provision for Loan Losses	12.5	5.29	7.49	2.15	10.36
Revenue	150.13	152.38	146.68	106.37	88.53
Revenue Growth (YoY)	-1.47%	3.88%	37.90%	20.15%	-9.94%
Salaries and Employee Benefits	53.96	51.16	46.99	38.98	35.75
Federal Deposit Insurance	1.7	1.37	1.58	2.16	1.4
Selling, General & Administrative	60.69	64.6	57.17	37.77	33.43
Other Non-Interest Expense	2.08	1.94	1.89	1.97	1.92
Total Non-Interest Expense	118.45	119.18	107.68	80.28	72.58
EBT Excluding Unusual Items	31.68	33.2	39	26.09	15.96
Pretax Income	31.68	33.2	39	26.09	15.96
Income Tax Expense	6.18	7.54	7.55	5.1	3.46
Earnings From Continuing Operations	25.5	25.66	31.46	21	12.49
Minority Interest in Earnings	-1.87	-1.38	-0.96	-0.5	-
Net Income	23.63	24.27	30.5	20.5	12.49
Preferred Dividends & Other Adjustments	-	0.64	0.86	0.52	0.55
Net Income to Common	23.63	23.63	29.63	19.98	11.94
Net Income Growth	-2.64%	-20.41%	48.75%	64.11%	-22.66%
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%
EPS (Basic)	1298.46	1298.30	1628.19	1027.93	616.62
EPS (Diluted)	1298.46	1298.30	1628.19	1027.93	616.62
EPS Growth	0.01%	-20.26%	58.39%	66.70%	-23.68%
Dividend Per Share	-	200.000	-	200.000	200.000
Effective Tax Rate	19.52%	22.72%	19.35%	19.53%	21.71%

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