Mission Valley Bancorp (MVLY)

Mission Valley Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	42.06	42.5	39.21	30.55	20.16	15.79
Interest Income on Investments	4.25	4.22	4.21	3	1.93	0.99
Total Interest Income	46.31	46.72	43.42	33.55	22.08	16.77
Interest Paid on Deposits	14.04	13.76	13.26	7.61	1.21	0.22
Interest Paid on Borrowings	2.28	2.32	2.67	1.73	0.56	0.5
Total Interest Expense	16.32	16.08	15.93	9.34	1.77	0.72
Net Interest Income	29.99	30.64	27.49	24.2	20.32	16.05
Net Interest Income Growth (YoY)	5.67%	11.46%	13.58%	19.13%	26.56%	6.86%
Gain (Loss) on Sale of Investments	-	-	-0.5	-0.91	-	-
Other Non-Interest Income	6.37	6.07	5.95	10.65	4.41	5.13
Total Non-Interest Income	11.9	11.46	9.63	12.35	8.4	8.23
Non-Interest Income Growth (YoY)	25.46%	19.08%	-22.05%	46.98%	2.10%	100.12%
Revenues Before Loan Losses	41.89	42.1	37.12	36.55	28.72	24.28
Provision for Loan Losses	1.05	0.3	1.1	1.35	1.1	-
Revenue	40.84	41.8	36.02	35.2	27.62	24.28
Revenue Growth (YoY)	10.78%	16.07%	2.31%	27.46%	13.74%	40.49%
Salaries and Employee Benefits	21.09	20.58	18.16	16.76	13.92	10.46
Occupancy Expenses	3.19	3.16	-	-	-	-
Federal Deposit Insurance	-	-	0.43	0.37	0.26	0.18
Selling, General & Administrative	0.98	0.98	6.25	5.24	4.91	4.54
Other Non-Interest Expense	5.7	6.01	2.41	2.6	1.88	1.92
Total Non-Interest Expense	30.96	30.73	27.25	24.97	20.97	17.11
EBT Excluding Unusual Items	9.88	11.07	8.76	10.23	6.65	7.17
Pretax Income	9.88	11.07	8.76	10.23	6.65	7.17
Income Tax Expense	2.71	3.04	2.53	2.88	1.88	2.21
Net Income	7.16	8.03	6.23	7.36	4.77	4.96
Net Income to Common	7.16	8.03	6.23	7.36	4.77	4.96
Net Income Growth	20.54%	28.80%	-15.28%	54.30%	-3.81%	115.33%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	0.64%	0.57%	0.69%	0.79%	-0.15%	1.51%
EPS (Basic)	2.14	2.40	1.87	2.22	1.45	1.52
EPS (Diluted)	2.13	2.39	1.87	2.22	1.45	1.50
EPS Growth	19.59%	27.88%	-15.79%	53.06%	-3.33%	111.27%
Dividend Per Share	-	0.150	-	-	-	0.150
Effective Tax Rate	27.46%	27.47%	28.88%	28.11%	28.32%	30.86%

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