blueharbor bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	30.55	28.94	23.5	18.38	13.55	10.78
Interest Income on Investments	1.87	1.87	2.07	1.66	1.37	0.82
Total Interest Income	32.43	30.81	25.57	20.04	14.92	11.6
Interest Paid on Deposits	9.03	8.73	8.22	4.61	0.67	0.87
Interest Paid on Borrowings	0.03	0.03	0.01	0.03	0.01	0.01
Total Interest Expense	9.06	8.76	8.23	4.64	0.68	0.88
Net Interest Income	23.37	22.05	17.34	15.4	14.24	10.72
Net Interest Income Growth (YoY)	26.64%	27.19%	12.62%	8.13%	32.85%	18.34%
Trust Income	0.25	0.25	0.22	0.24	0.23	0.25
Gain (Loss) on Sale of Assets	0.01	0.01	-	0.01	0.01	-
Other Non-Interest Income	1.52	1.46	1.55	2.1	1.89	1.28
Total Non-Interest Income	2.35	2.29	2.2	2.75	2.69	2.53
Non-Interest Income Growth (YoY)	3.85%	3.91%	-19.81%	1.96%	6.61%	36.96%
Revenues Before Loan Losses	25.71	24.34	19.54	18.14	16.93	13.24
Provision for Loan Losses	0.96	0.87	0.72	0.3	0.28	-0.04
Revenue	24.75	23.47	18.82	17.84	16.65	13.28
Revenue Growth (YoY)	22.98%	24.71%	5.49%	7.17%	25.35%	31.73%
Salaries and Employee Benefits	5.32	5.32	5.81	4.19	3.98	3.6
Federal Deposit Insurance	0.27	0.27	0.24	0.22	0.16	0.18
Selling, General & Administrative	2.95	2.95	3.31	3.38	2.95	2.56
Other Non-Interest Expense	1.01	0.9	0.83	0.84	0.68	0.71
Total Non-Interest Expense	9.55	9.45	10.19	8.63	7.77	7.09
EBT Excluding Unusual Items	15.19	14.02	8.63	9.21	8.88	6.19
Pretax Income	15.19	14.02	8.63	9.21	8.88	6.19
Income Tax Expense	3.27	3.04	1.84	2.05	1.98	1.36
Net Income	11.92	10.98	6.79	7.16	6.9	4.83
Net Income to Common	11.92	10.98	6.79	7.16	6.9	4.83
Net Income Growth	51.99%	61.81%	-5.21%	3.72%	42.94%	44.53%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	-0.34%	-0.19%	-0.54%	0.09%	0.19%	0.28%
EPS (Basic)	4.05	3.74	2.31	2.46	2.37	1.65
EPS (Diluted)	3.97	3.65	2.25	2.36	2.28	1.60
EPS Growth	52.61%	62.22%	-4.66%	3.51%	42.50%	44.14%
Dividend Per Share	-	-	-	-	-	0.100
Effective Tax Rate	21.55%	21.70%	21.35%	22.23%	22.26%	21.94%

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