Bank of Botetourt (BORT)

Bank of Botetourt Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	44.46	37.6	29.22	22.03	21.72
Interest Income on Investments	3.51	4.2	5.15	3.74	0.75
Total Interest Income	47.97	41.81	34.37	25.77	22.47
Interest Paid on Deposits	15.76	15.03	8.92	2.29	2.56
Interest Paid on Borrowings	0.02	0.83	0.47	0.02	0.07
Total Interest Expense	15.78	15.85	9.38	2.31	2.63
Net Interest Income	32.18	25.95	24.99	23.46	19.85
Net Interest Income Growth (YoY)	24.01%	3.85%	6.54%	18.19%	11.79%
Other Non-Interest Income	4.57	4.11	3.89	4.17	4.6
Total Non-Interest Income	5.93	5.39	5.2	5.16	5.31
Non-Interest Income Growth (YoY)	10.08%	3.68%	0.73%	-2.88%	27.01%
Revenues Before Loan Losses	38.12	31.34	30.19	28.62	25.16
Provision for Loan Losses	1.22	0.87	1.04	1.51	0.43
Revenue	36.9	30.47	29.15	27.11	24.74
Revenue Growth (YoY)	21.09%	4.51%	7.55%	9.59%	23.94%
Salaries and Employee Benefits	9.85	8.95	8.41	8.03	7.28
Federal Deposit Insurance	0.5	0.48	0.35	0.34	0.33
Selling, General & Administrative	7.54	6.33	5.66	5.21	4.64
Other Non-Interest Expense	5.36	4.75	4.48	3.74	3.22
Total Non-Interest Expense	23.26	20.5	18.89	17.31	16.17
EBT Excluding Unusual Items	13.64	9.97	10.26	9.8	8.57
Pretax Income	13.64	9.97	10.26	9.8	8.57
Income Tax Expense	2.83	2.03	2.09	1.99	1.69
Net Income	10.8	7.94	8.17	7.81	6.88
Preferred Dividends & Other Adjustments	0.48	0.48	0.48	-	-
Net Income to Common	10.32	7.46	7.7	7.81	6.88
Net Income Growth	36.01%	-2.82%	4.71%	13.46%	48.56%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	0.49%	0.51%	0.73%	0.58%	1.24%
EPS (Basic)	5.25	3.82	3.95	4.04	3.58
EPS (Diluted)	5.25	3.82	3.95	4.04	3.58
EPS Growth	37.60%	-3.41%	-2.21%	12.83%	46.72%
Dividend Per Share	0.900	0.800	0.770	0.740	0.654
Dividend Growth	12.50%	3.90%	4.05%	13.06%	2.84%
Effective Tax Rate	20.78%	20.35%	20.33%	20.31%	19.70%

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