Golden State Bancorp 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	59.51	57.2	47.83	36.8	28.35	22.12
Interest Income on Investments	5.45	5.45	7.4	6.7	2.34	0.28
Total Interest Income	64.96	62.65	55.23	43.5	30.69	22.39
Interest Paid on Deposits	26.3	25.79	24.45	15.28	4.8	3.84
Interest Paid on Borrowings	1.89	1.89	1.51	1.42	0.94	1.07
Total Interest Expense	28.19	27.68	25.96	16.7	5.74	4.92
Net Interest Income	36.77	34.97	29.27	26.8	24.95	17.48
Net Interest Income Growth (YoY)	20.84%	19.48%	9.22%	7.42%	42.75%	50.61%
Other Non-Interest Income	0.01	0.01	0.01	0.01	0.25	0.24
Total Non-Interest Income	0.32	0.32	0.33	0.22	0.26	0.24
Non-Interest Income Growth (YoY)	4.24%	-4.97%	53.50%	-17.14%	9.21%	218.67%
Revenues Before Loan Losses	37.09	35.29	29.61	27.02	25.21	17.72
Provision for Loan Losses	0.63	1.22	2.84	1.01	2.04	1.6
Revenue	36.46	34.07	26.77	26	23.17	16.12
Revenue Growth (YoY)	32.20%	27.27%	2.94%	12.21%	43.72%	49.76%
Salaries and Employee Benefits	11.92	11.92	9.8	8.59	7.13	6.26
Occupancy Expenses	0.38	0.38	0.58	0.53	0.36	0.3
Selling, General & Administrative	5.06	5.06	3.71	0.77	0.74	0.51
Other Non-Interest Expense	4.91	3.44	2.69	5.31	4.07	3.97
Total Non-Interest Expense	22.27	20.81	16.77	15.21	12.3	11.05
EBT Excluding Unusual Items	14.18	13.26	10	10.8	10.87	5.07
Pretax Income	14.18	13.26	10.31	10.8	10.87	5.07
Income Tax Expense	4.16	3.93	2.19	3.17	3.19	1.52
Net Income	10.03	9.33	8.12	7.62	7.69	3.55
Net Income to Common	10.03	9.33	8.12	7.62	7.69	3.55
Net Income Growth	25.04%	14.90%	6.52%	-0.82%	116.32%	-
Basic Shares Outstanding	2	3	3	3	2	2
Diluted Shares Outstanding	2	3	3	3	2	2
Shares Change (YoY)	-16.70%	2.90%	1.92%	8.46%	24.50%	7.94%
EPS (Basic)	4.35	3.37	3.02	2.96	3.22	1.90
EPS (Diluted)	4.35	3.32	2.98	2.85	3.11	1.79
EPS Growth	49.99%	11.41%	4.56%	-8.36%	73.74%	-
Effective Tax Rate	29.32%	29.66%	21.22%	29.40%	29.33%	29.99%

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