Bank of Botetourt (BORT)

Bank of Botetourt Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	46.03	44.46	37.6	29.22	22.03	21.72
Interest Income on Investments	3.41	3.51	4.2	5.15	3.74	0.75
Total Interest Income	49.44	47.97	41.81	34.37	25.77	22.47
Interest Paid on Deposits	15.82	15.76	15.03	8.92	2.29	2.56
Interest Paid on Borrowings	0.02	0.02	0.83	0.47	0.02	0.07
Total Interest Expense	15.84	15.78	15.85	9.38	2.31	2.63
Net Interest Income	33.6	32.18	25.95	24.99	23.46	19.85
Net Interest Income Growth (YoY)	23.43%	24.01%	3.85%	6.54%	18.19%	11.79%
Other Non-Interest Income	4.81	4.57	4.11	3.89	4.17	4.6
Total Non-Interest Income	6.22	5.93	5.39	5.2	5.16	5.31
Non-Interest Income Growth (YoY)	14.15%	10.08%	3.68%	0.73%	-2.88%	27.01%
Revenues Before Loan Losses	39.82	38.12	31.34	30.19	28.62	25.16
Provision for Loan Losses	1.2	1.22	0.87	1.04	1.51	0.43
Revenue	38.62	36.9	30.47	29.15	27.11	24.74
Revenue Growth (YoY)	22.56%	21.09%	4.51%	7.55%	9.59%	23.94%
Salaries and Employee Benefits	10.14	9.85	8.95	8.41	8.03	7.28
Federal Deposit Insurance	0.5	0.5	0.48	0.35	0.34	0.33
Selling, General & Administrative	7.54	7.54	6.33	5.66	5.21	4.64
Other Non-Interest Expense	5.52	5.36	4.75	4.48	3.74	3.22
Total Non-Interest Expense	23.68	23.26	20.5	18.89	17.31	16.17
EBT Excluding Unusual Items	14.94	13.64	9.97	10.26	9.8	8.57
Pretax Income	14.94	13.64	9.97	10.26	9.8	8.57
Income Tax Expense	3.09	2.83	2.03	2.09	1.99	1.69
Net Income	11.84	10.8	7.94	8.17	7.81	6.88
Preferred Dividends & Other Adjustments	0.48	0.48	0.48	0.48	-	-
Net Income to Common	11.37	10.32	7.46	7.7	7.81	6.88
Net Income Growth	45.18%	36.01%	-2.82%	4.71%	13.46%	48.56%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	0.49%	0.49%	0.51%	0.73%	0.58%	1.24%
EPS (Basic)	5.77	5.25	3.82	3.95	4.04	3.58
EPS (Diluted)	5.77	5.25	3.82	3.95	4.04	3.58
EPS Growth	47.18%	37.60%	-3.41%	-2.21%	12.83%	46.72%
Dividend Per Share	0.925	0.900	0.800	0.770	0.740	0.654
Dividend Growth	12.12%	12.50%	3.90%	4.05%	13.06%	2.84%
Effective Tax Rate	20.70%	20.78%	20.35%	20.33%	20.31%	19.70%

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