Oakworth Capital Inc. (OAKC)

Despegar.com Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	100.67	96.12	73.58	40.68	29.72	26.12
Interest Income on Investments	9.99	8.95	8.6	4.97	2.21	2.12
Total Interest Income	110.66	105.07	82.18	45.65	31.93	28.25
Interest Paid on Deposits	46.42	46.72	32.49	5.69	1	3.13
Interest Paid on Borrowings	3.72	3.65	4.03	0.81	-	0.05
Total Interest Expense	50.14	50.37	36.51	6.49	1	3.18
Net Interest Income	60.53	54.7	45.66	39.16	30.93	25.07
Net Interest Income Growth (YoY)	24.30%	19.79%	16.62%	26.59%	23.38%	11.92%
Trust Income	12.6	12.6	10.79	10.52	9.6	6.98
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.1
Other Non-Interest Income	2.39	2.28	2.4	1.28	1.01	0.77
Total Non-Interest Income	16.23	16.13	14.16	12.61	11.24	8.35
Non-Interest Income Growth (YoY)	3.08%	13.84%	12.30%	12.21%	34.59%	2.08%
Revenues Before Loan Losses	76.76	70.83	59.83	51.77	42.17	33.42
Provision for Loan Losses	3.69	2.92	12.67	2.38	1.03	1.26
Revenue	73.07	67.9	47.15	49.39	41.15	32.16
Revenue Growth (YoY)	40.59%	44.01%	-4.53%	20.04%	27.95%	8.16%
Salaries and Employee Benefits	29.45	29.45	25.95	21.39	17	14.31
Selling, General & Administrative	9.85	9.85	8.44	7.09	6.51	5.66
Other Non-Interest Expense	10.35	7.88	6.86	5.82	3.62	2.72
Total Non-Interest Expense	49.65	47.18	41.25	34.31	27.13	22.69
EBT Excluding Unusual Items	23.42	20.73	5.9	15.09	14.01	9.47
Pretax Income	23.42	20.73	5.9	15.09	14.01	9.47
Income Tax Expense	5.78	4.95	1.23	3.59	3.28	2.12
Net Income	17.64	15.77	4.67	11.5	10.73	7.36
Preferred Dividends & Other Adjustments	0.17	0.17	0.03	0.01	0.01	0.01
Net Income to Common	17.47	15.6	4.65	11.49	10.72	7.34
Net Income Growth	195.98%	237.43%	-59.35%	7.13%	45.93%	-7.57%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	0.57%	0.50%	-1.12%	1.10%	0.16%	-0.52%
EPS (Basic)	3.56	3.19	0.96	2.38	2.24	1.55
EPS (Diluted)	3.55	3.19	0.96	2.34	2.21	1.51
EPS Growth	192.32%	233.41%	-59.07%	5.97%	45.82%	-6.83%
Dividend Per Share	-	0.450	0.450	-	-	-
Effective Tax Rate	24.69%	23.90%	20.81%	23.78%	23.39%	22.34%

Updated Jan 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.