Oakworth Capital Inc. (OAKC)

Oakworth Capital 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	101.44	96.12	73.58	40.68	29.72	26.12
Interest Income on Investments	10.69	8.95	8.6	4.97	2.21	2.12
Total Interest Income	112.13	105.07	82.18	45.65	31.93	28.25
Interest Paid on Deposits	45.48	46.72	32.49	5.69	1	3.13
Interest Paid on Borrowings	3.58	3.65	4.03	0.81	-	0.05
Total Interest Expense	49.06	50.37	36.51	6.49	1	3.18
Net Interest Income	63.08	54.7	45.66	39.16	30.93	25.07
Net Interest Income Growth (YoY)	23.25%	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	2.84	2.28	2.4	1.28	1.01	0.77
Total Non-Interest Income	16.68	16.13	14.16	12.61	11.24	8.35
Non-Interest Income Growth (YoY)	5.23%	13.84%	12.30%	12.21%	34.59%	2.08%
Revenues Before Loan Losses	79.76	70.83	59.83	51.77	42.17	33.42
Provision for Loan Losses	4	2.92	12.67	2.38	1.03	1.26
Revenue	75.76	67.9	47.15	49.39	41.15	32.16
Revenue Growth (YoY)	39.28%	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	11.93	7.88	6.86	5.82	3.62	2.72
Total Non-Interest Expense	51.23	47.18	41.25	34.31	27.13	22.69
EBT Excluding Unusual Items	24.53	20.73	5.9	15.09	14.01	9.47
Pretax Income	24.53	20.73	5.9	15.09	14.01	9.47
Income Tax Expense	5.98	4.95	1.23	3.59	3.28	2.12
Net Income	18.55	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	18.38	15.6	4.65	11.49	10.72	7.34
Net Income Growth	166.51%	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)	0.44%	0.50%	-1.12%	1.10%	0.16%	-0.52%
EPS (Basic)	3.73	3.19	0.96	2.38	2.24	1.55
EPS (Diluted)	3.73	3.19	0.96	2.34	2.21	1.51
EPS Growth	163.52%	233.41%	-59.07%	5.97%	45.82%	-6.83%
Dividend Per Share	-	0.450	0.450	-	-	-
Effective Tax Rate	24.37%	23.90%	20.81%	23.78%	23.39%	22.34%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.