New Peoples Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	42.84	38.21	32.55	27.74	28.32
Interest Income on Investments	5.74	6.43	4.58	3.65	1.59
Total Interest Income	48.59	44.63	37.14	31.39	29.91
Interest Paid on Deposits	14.27	14.15	7.58	1.88	2.25
Interest Paid on Borrowings	-	1.97	1.53	1.23	0.45
Total Interest Expense	14.27	16.11	9.12	3.11	2.7
Net Interest Income	34.32	28.52	28.02	28.29	27.21
Net Interest Income Growth (YoY)	20.32%	1.79%	-0.94%	3.95%	8.22%
Gain (Loss) on Sale of Assets	-	0.02	0.05	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	0.32
Other Non-Interest Income	9.91	11.23	9.65	9.24	9.66
Total Non-Interest Income	9.91	11.25	9.69	9.24	9.98
Non-Interest Income Growth (YoY)	-11.94%	16.12%	4.89%	-7.41%	22.50%
Revenues Before Loan Losses	44.23	39.78	37.71	37.53	37.19
Provision for Loan Losses	0.81	0.63	0.65	0.63	0.37
Revenue	43.42	39.15	37.06	36.9	36.82
Revenue Growth (YoY)	10.90%	5.63%	0.44%	0.22%	18.81%
Salaries and Employee Benefits	-	14.51	14.26	13.37	12.66
Occupancy Expenses	-	3.01	2.99	3.68	5.26
Selling, General & Administrative	-	3.34	3.15	2.99	3.22
Other Non-Interest Expense	30.27	7.94	7.59	6.49	6.72
Total Non-Interest Expense	30.27	28.8	27.99	26.52	27.87
EBT Excluding Unusual Items	13.15	10.35	9.07	10.38	8.95
Pretax Income	13.15	10.35	9.33	10.38	8.95
Income Tax Expense	3.05	2.15	2.15	2.3	1.94
Net Income	10.1	8.2	7.18	8.08	7.01
Net Income to Common	10.1	8.2	7.18	8.08	7.01
Net Income Growth	23.09%	14.20%	-11.11%	15.29%	142.56%
Basic Shares Outstanding	84	24	24	24	24
Diluted Shares Outstanding	84	24	24	24	24
Shares Change (YoY)	255.33%	-0.51%	-0.39%	-0.10%	-0.29%
EPS (Basic)	0.12	0.35	0.30	0.34	0.29
EPS (Diluted)	0.12	0.35	0.30	0.34	0.29
EPS Growth	-65.36%	15.47%	-11.29%	16.61%	141.67%
Dividend Per Share	-	0.070	0.060	0.050	-
Dividend Growth	-	16.67%	20.00%	-	-
Effective Tax Rate	23.18%	20.76%	23.01%	22.15%	21.69%

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