Mission Valley Bancorp (MVLY)

Mission Valley Bancorp 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	42.5	39.21	30.55	20.16	15.79
Interest Income on Investments	4.22	4.21	3	1.93	0.99
Total Interest Income	46.72	43.42	33.55	22.08	16.77
Interest Paid on Deposits	13.76	13.26	7.61	1.21	0.22
Interest Paid on Borrowings	2.32	2.67	1.73	0.56	0.5
Total Interest Expense	16.08	15.93	9.34	1.77	0.72
Net Interest Income	30.64	27.49	24.2	20.32	16.05
Net Interest Income Growth (YoY)	11.46%	13.58%	19.13%	26.56%	6.86%
Gain (Loss) on Sale of Investments	-	-0.5	-0.91	-	-
Other Non-Interest Income	6.07	5.95	10.65	4.41	5.13
Total Non-Interest Income	11.46	9.63	12.35	8.4	8.23
Non-Interest Income Growth (YoY)	19.08%	-22.05%	46.98%	2.10%	100.12%
Revenues Before Loan Losses	42.1	37.12	36.55	28.72	24.28
Provision for Loan Losses	0.3	1.1	1.35	1.1	-
Revenue	41.8	36.02	35.2	27.62	24.28
Revenue Growth (YoY)	16.07%	2.31%	27.46%	13.74%	40.49%
Salaries and Employee Benefits	20.58	18.16	16.76	13.92	10.46
Occupancy Expenses	3.16	-	-	-	-
Federal Deposit Insurance	-	0.43	0.37	0.26	0.18
Selling, General & Administrative	0.98	6.25	5.24	4.91	4.54
Other Non-Interest Expense	6.01	2.41	2.6	1.88	1.92
Total Non-Interest Expense	30.73	27.25	24.97	20.97	17.11
EBT Excluding Unusual Items	11.07	8.76	10.23	6.65	7.17
Pretax Income	11.07	8.76	10.23	6.65	7.17
Income Tax Expense	3.04	2.53	2.88	1.88	2.21
Net Income	8.03	6.23	7.36	4.77	4.96
Net Income to Common	8.03	6.23	7.36	4.77	4.96
Net Income Growth	28.80%	-15.28%	54.30%	-3.81%	115.33%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	0.57%	0.69%	0.79%	-0.15%	1.51%
EPS (Basic)	2.40	1.87	2.22	1.45	1.52
EPS (Diluted)	2.39	1.87	2.22	1.45	1.50
EPS Growth	27.88%	-15.79%	53.06%	-3.33%	111.27%
Dividend Per Share	0.150	-	-	-	0.150
Effective Tax Rate	27.47%	28.88%	28.11%	28.32%	30.86%

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