NODB 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 2020
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 '20 Dec 31, 2020
Interest Income on Loans	84.53	83.85	78.51	62.79	48.82	28.64
Interest Income on Investments	-	-	-	-	-	9.97
Total Interest Income	84.53	83.85	78.51	62.79	48.82	38.61
Interest Paid on Deposits	41.03	41.8	44.06	29.04	5.28	4.66
Interest Paid on Borrowings	-	-	-	-	-	0.01
Total Interest Expense	41.03	41.8	44.06	29.04	5.28	4.67
Net Interest Income	43.5	42.06	34.46	33.75	43.53	33.94
Net Interest Income Growth (YoY)	22.00%	22.05%	2.09%	-22.46%	28.25%	0.96%
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0.05
Other Non-Interest Income	6.58	6.34	5.93	5.97	5.35	4.7
Total Non-Interest Income	6.58	6.34	5.93	5.97	5.35	5.28
Non-Interest Income Growth (YoY)	9.09%	6.94%	-0.72%	11.75%	1.32%	30.54%
Revenues Before Loan Losses	50.08	48.4	40.39	39.73	48.88	39.22
Provision for Loan Losses	0.67	0.44	0.44	0.45	3.49	1.7
Revenue	49.41	47.96	39.95	39.28	45.39	37.52
Revenue Growth (YoY)	18.53%	20.05%	1.71%	-13.47%	20.98%	-0.18%
Salaries and Employee Benefits	-	-	-	-	-	19.26
Occupancy Expenses	-	-	-	-	-	0.72
Federal Deposit Insurance	-	-	-	-	-	0.42
Other Non-Interest Expense	38.49	37.65	36.01	34.82	34.18	7.24
Total Non-Interest Expense	38.49	37.65	36.01	34.82	34.18	27.64
EBT Excluding Unusual Items	10.93	10.31	3.94	4.45	11.22	9.88
Pretax Income	10.93	10.31	3.94	4.45	11.22	9.88
Income Tax Expense	1.82	1.7	0.49	0.68	2.17	2.15
Earnings From Continuing Operations	9.11	8.61	3.45	3.78	9.05	7.73
Net Income	9.11	8.61	3.45	3.78	9.05	8.58
Net Income to Common	9.11	8.61	3.45	3.78	9.05	8.58
Net Income Growth	124.97%	149.25%	-8.54%	-58.24%	5.46%	-6.54%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	-0.30%	-0.30%	0.33%	-0.01%	0.07%	-0.10%
EPS (Basic)	3.54	3.35	1.34	1.47	3.52	3.34
EPS (Diluted)	3.54	3.35	1.34	1.47	3.52	3.34
EPS Growth	125.65%	150.00%	-8.84%	-58.24%	5.39%	-6.44%
Dividend Per Share	0.300	0.400	0.400	1.320	-	1.000
Dividend Growth	-25.00%	-	-69.70%	-	-	-
Effective Tax Rate	16.66%	16.49%	12.41%	15.19%	19.35%	21.79%

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