InBankshares, 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	Jun '26 Jun 30, 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	62.55	60.91	58.05	51.26	36.65	21.46
Interest Income on Investments	14.21	14.56	13.19	11.22	8.92	4.29
Total Interest Income	76.75	75.47	71.24	62.48	45.57	25.75
Interest Paid on Deposits	21.82	23.35	24.07	14.05	2.12	1.11
Interest Paid on Borrowings	3.44	2.7	2.65	4.77	1.41	0.5
Total Interest Expense	25.26	26.05	26.71	18.82	3.53	1.61
Net Interest Income	51.49	49.42	44.53	43.66	42.04	24.14
Net Interest Income Growth	11.30%	10.98%	1.99%	3.86%	74.14%	22.80%
Mortgage Banking Activities	-	-	-	-	-	0.5
Gain (Loss) on Sale of Assets	1.18	1.18	0.22	0.01	0.22	-0.01
Gain (Loss) on Sale of Investments	0.02	0.02	0.01	-1.64	-0.51	0.16
Other Non-Interest Income	5.36	4.69	4.98	2.87	2.58	1.68
Total Non-Interest Income	8.45	8.24	10.71	3.49	3.73	3.49
Non-Interest Income Growth	-3.42%	-23.06%	207.23%	-6.42%	6.61%	3.77%
Revenues Before Loan Losses	59.95	57.66	55.24	47.15	45.76	27.63
Provision for Loan Losses	14.16	12.09	2.51	0.77	2.23	1.12
Revenue	45.79	45.58	52.73	46.37	43.53	26.51
Revenue Growth	-13.60%	-13.57%	13.71%	6.52%	64.19%	21.17%
Salaries and Employee Benefits	19.05	19.94	21.19	17.7	15.92	13.3
Occupancy Expenses	1.47	1.49	1.62	1.34	1.63	1.17
Amortization of Goodwill & Intangibles	1.07	1.26	1.51	1.73	1.45	0.62
Selling, General & Administrative	10.69	11.4	11.64	10.22	8.27	5.82
Other Non-Interest Expense	3.98	3.81	3.62	3.54	2.64	1.83
Total Non-Interest Expense	36.26	37.9	39.58	34.52	29.9	22.73
EBT Excluding Unusual Items	9.53	7.68	13.15	11.86	13.63	3.79
Pretax Income	9.53	7.68	13.15	11.86	11.12	3.49
Income Tax Expense	1.63	1.43	2.91	3.05	2.3	0.75
Net Income	7.9	6.25	10.24	8.81	8.81	2.75
Net Income to Common	7.9	6.25	10.24	8.81	8.81	2.75
Net Income Growth	-28.85%	-38.96%	16.25%	-0.03%	220.63%	115.27%
Basic Shares Outstanding	12	12	12	12	10	8
Diluted Shares Outstanding	12	12	12	12	11	8
Shares Change	-0.13%	-0.11%	0.25%	11.63%	34.59%	9.07%
EPS (Basic)	0.66	0.53	0.87	0.75	0.84	0.36
EPS (Diluted)	0.66	0.52	0.86	0.74	0.82	0.35
EPS Growth	-29.40%	-39.53%	16.22%	-9.76%	134.29%	94.99%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Effective Tax Rate	17.09%	18.56%	22.12%	25.68%	20.72%	21.32%