InsCorp, Inc. (IBTN)

InsCorp 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	58.19	52.14	46.21	30.42	24.9
Interest Paid on Deposits	29.82	28.58	20.78	6.2	4.69
Interest Paid on Borrowings	-	-	1.51	1.1	0.99
Total Interest Expense	29.82	28.58	22.29	7.3	5.68
Net Interest Income	28.37	23.57	23.92	23.12	19.22
Net Interest Income Growth (YoY)	20.39%	-1.48%	3.47%	20.29%	32.39%
Other Non-Interest Income	0.86	1.57	1.29	4.27	1.4
Total Non-Interest Income	1.21	1.95	1.54	4.48	1.7
Non-Interest Income Growth (YoY)	-37.85%	26.10%	-65.50%	163.45%	45.46%
Revenues Before Loan Losses	29.58	25.51	25.47	27.59	20.92
Provision for Loan Losses	5.78	0.7	0.32	0.67	1.85
Revenue	23.8	24.81	25.15	26.92	19.07
Revenue Growth (YoY)	-4.08%	-1.34%	-6.59%	41.20%	43.53%
Salaries and Employee Benefits	13.06	10.36	9.43	8.4	7.33
Occupancy Expenses	1.27	1.7	1.56	1.56	1.35
Selling, General & Administrative	1.85	0.89	0.9	1.38	1.17
Other Non-Interest Expense	3.42	2.67	2.58	2.27	1.63
Total Non-Interest Expense	19.59	15.62	14.47	13.61	11.48
EBT Excluding Unusual Items	4.21	9.2	10.68	13.31	7.59
Pretax Income	4.21	9.2	10.68	13.31	7.59
Income Tax Expense	-0.17	1.83	2.27	2.98	1.56
Net Income	4.38	7.37	8.4	10.34	6.03
Net Income to Common	4.38	7.37	8.4	10.34	6.03
Net Income Growth	-40.52%	-12.30%	-18.69%	71.44%	147.80%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	4.20%	0.82%	-0.04%	-1.63%	-0.16%
EPS (Basic)	1.52	2.54	2.92	3.59	2.06
EPS (Diluted)	1.45	2.54	2.92	3.59	2.06
EPS Growth	-42.91%	-13.01%	-18.66%	74.27%	148.19%
Dividend Per Share	0.440	0.400	0.340	0.300	0.240
Dividend Growth	10.00%	17.65%	13.33%	25.00%	-
Effective Tax Rate	-	19.86%	21.29%	22.35%	20.60%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.