First Capital Bancshares, Inc. (FCPB)

First Capital Bancshares Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	48.78	35.35	16.92	10.5	7.9
Interest Income on Investments	4.48	4.21	2.08	0.66	0.51
Total Interest Income	53.26	39.55	19	11.16	8.41
Interest Paid on Deposits	25.23	16.47	3.88	1.9	1.72
Interest Paid on Borrowings	3.16	2.96	0.82	0.22	0.12
Total Interest Expense	28.39	19.43	4.69	2.11	1.83
Net Interest Income	24.87	20.12	14.31	9.04	6.58
Net Interest Income Growth (YoY)	23.59%	40.64%	58.20%	37.55%	53.85%
Gain (Loss) on Sale of Assets	-0.01	-	-	-	-
Gain (Loss) on Sale of Investments	0.03	0.04	-0.02	0.25	0.82
Other Non-Interest Income	1.33	0.78	0.41	0.34	0.24
Total Non-Interest Income	1.39	0.87	0.44	0.62	1.08
Non-Interest Income Growth (YoY)	59.86%	99.77%	-30.15%	-41.99%	1070.71%
Revenues Before Loan Losses	26.26	20.99	14.74	9.67	7.65
Provision for Loan Losses	1.9	1.4	0.97	0.78	0.98
Revenue	24.36	19.59	13.78	8.89	6.67
Revenue Growth (YoY)	24.34%	42.20%	55.02%	33.23%	80.16%
Salaries and Employee Benefits	10.76	8.82	6.15	4.48	3.2
Federal Deposit Insurance	0.91	0.53	0.26	0.18	0.09
Selling, General & Administrative	3.94	3.42	2.54	2.11	1.51
Other Non-Interest Expense	2.15	1.98	1.28	1.12	0.85
Total Non-Interest Expense	17.76	14.76	10.23	7.89	5.65
EBT Excluding Unusual Items	6.6	4.84	3.55	1	1.02
Pretax Income	6.6	4.84	3.55	1	1.02
Income Tax Expense	1.57	1.03	0.85	0.24	0.07
Net Income	5.03	3.8	2.7	0.75	0.95
Net Income to Common	5.03	3.8	2.7	0.75	0.95
Net Income Growth	32.32%	40.98%	258.88%	-21.21%	-
Basic Shares Outstanding	9	8	6	5	5
Diluted Shares Outstanding	9	8	6	5	5
Shares Change (YoY)	15.99%	39.55%	13.36%	0.04%	-
EPS (Basic)	0.55	0.48	0.48	0.15	0.19
EPS (Diluted)	0.54	0.47	0.47	0.15	0.19
EPS Growth	14.89%	-	217.98%	-21.24%	-
Effective Tax Rate	23.80%	21.35%	23.99%	24.47%	6.62%

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