blueharbor bank (BLHK)

blueharbor bank 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	27.18	23.5	18.38	13.55	10.78	9.98
Interest Income on Investments	2.07	2.07	1.66	1.37	0.82	0.48
Total Interest Income	29.25	25.57	20.04	14.92	11.6	10.46
Interest Paid on Deposits	8.51	8.22	4.61	0.67	0.87	1.38
Interest Paid on Borrowings	0.01	0.01	0.03	0.01	0.01	0.02
Total Interest Expense	8.53	8.23	4.64	0.68	0.88	1.4
Net Interest Income	20.72	17.34	15.4	14.24	10.72	9.06
Net Interest Income Growth (YoY)	27.36%	12.62%	8.13%	32.85%	18.34%	7.94%
Trust Income	0.22	0.22	0.24	0.23	0.25	0.24
Gain (Loss) on Sale of Assets	-	-	0.01	0.01	-	-
Other Non-Interest Income	1.61	1.55	2.1	1.89	1.28	0.95
Total Non-Interest Income	2.25	2.2	2.75	2.69	2.53	1.84
Non-Interest Income Growth (YoY)	-2.15%	-19.81%	1.96%	6.61%	36.96%	67.60%
Revenues Before Loan Losses	22.98	19.54	18.14	16.93	13.24	10.9
Provision for Loan Losses	0.8	0.72	0.3	0.28	-0.04	0.82
Revenue	22.18	18.82	17.84	16.65	13.28	10.08
Revenue Growth (YoY)	23.54%	5.49%	7.17%	25.35%	31.73%	8.53%
Salaries and Employee Benefits	5.81	5.81	4.19	3.98	3.6	2.86
Federal Deposit Insurance	0.24	0.24	0.22	0.16	0.18	0.1
Selling, General & Administrative	3.31	3.31	3.38	2.95	2.56	2.21
Other Non-Interest Expense	0.24	0.83	0.84	0.68	0.71	0.65
Total Non-Interest Expense	9.6	10.19	8.63	7.77	7.09	5.83
EBT Excluding Unusual Items	12.58	8.63	9.21	8.88	6.19	4.25
Pretax Income	12.58	8.63	9.21	8.88	6.19	4.25
Income Tax Expense	2.71	1.84	2.05	1.98	1.36	0.91
Net Income	9.87	6.79	7.16	6.9	4.83	3.34
Net Income to Common	9.87	6.79	7.16	6.9	4.83	3.34
Net Income Growth	59.59%	-5.21%	3.72%	42.94%	44.53%	9.47%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	0.18%	-0.54%	0.09%	0.19%	0.28%	-0.50%
EPS (Basic)	3.36	2.31	2.46	2.37	1.65	1.14
EPS (Diluted)	3.28	2.25	2.36	2.28	1.60	1.11
EPS Growth	59.32%	-4.66%	3.51%	42.50%	44.14%	9.90%
Dividend Per Share	-	-	-	-	0.100	-
Effective Tax Rate	21.52%	21.35%	22.23%	22.26%	21.94%	21.46%

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