First Capital Bancshares, Inc. (FCPB)

First Capital Bancshares 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	59.7	48.78	35.35	16.92	10.5
Interest Income on Investments	5.36	4.48	4.21	2.08	0.66
Total Interest Income	65.06	53.26	39.55	19	11.16
Interest Paid on Deposits	27.72	25.23	16.47	3.88	1.9
Interest Paid on Borrowings	4.05	3.16	2.96	0.82	0.22
Total Interest Expense	31.76	28.39	19.43	4.69	2.11
Net Interest Income	33.3	24.87	20.12	14.31	9.04
Net Interest Income Growth (YoY)	33.89%	23.59%	40.64%	58.20%	37.55%
Gain (Loss) on Sale of Assets	-0.01	-0.01	-	-	-
Gain (Loss) on Sale of Investments	0.25	0.03	0.04	-0.02	0.25
Other Non-Interest Income	2.83	1.33	0.78	0.41	0.34
Total Non-Interest Income	3.12	1.39	0.87	0.44	0.62
Non-Interest Income Growth (YoY)	123.82%	59.86%	99.77%	-30.15%	-41.99%
Revenues Before Loan Losses	36.41	26.26	20.99	14.74	9.67
Provision for Loan Losses	2.29	1.9	1.4	0.97	0.78
Revenue	34.12	24.36	19.59	13.78	8.89
Revenue Growth (YoY)	40.07%	24.34%	42.20%	55.02%	33.23%
Salaries and Employee Benefits	13.86	10.76	8.82	6.15	4.48
Occupancy Expenses	1.27	-	-	-	-
Federal Deposit Insurance	0.87	0.91	0.53	0.26	0.18
Selling, General & Administrative	3.07	3.94	3.42	2.54	2.11
Other Non-Interest Expense	2.9	2.15	1.98	1.28	1.12
Total Non-Interest Expense	21.96	17.76	14.76	10.23	7.89
EBT Excluding Unusual Items	12.16	6.6	4.84	3.55	1
Pretax Income	12.16	6.6	4.84	3.55	1
Income Tax Expense	2.59	1.57	1.03	0.85	0.24
Net Income	9.57	5.03	3.8	2.7	0.75
Net Income to Common	9.57	5.03	3.8	2.7	0.75
Net Income Growth	90.09%	32.32%	40.98%	258.88%	-21.21%
Basic Shares Outstanding	10	9	8	6	5
Diluted Shares Outstanding	10	9	8	6	5
Shares Change (YoY)	9.58%	15.99%	39.55%	13.36%	0.04%
EPS (Basic)	0.96	0.55	0.48	0.48	0.15
EPS (Diluted)	0.94	0.54	0.47	0.47	0.15
EPS Growth	74.07%	14.89%	-	217.98%	-21.24%
Effective Tax Rate	21.33%	23.80%	21.35%	23.99%	24.47%

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