Oakworth Capital 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	102.12	96.12	73.58	40.68	29.72
Interest Income on Investments	11.6	8.95	8.6	4.97	2.21
Total Interest Income	113.72	105.07	82.18	45.65	31.93
Interest Paid on Deposits	44.96	46.72	32.49	5.69	1
Interest Paid on Borrowings	3.45	3.65	4.03	0.81	-
Total Interest Expense	48.41	50.37	36.51	6.49	1
Net Interest Income	65.31	54.7	45.66	39.16	30.93
Net Interest Income Growth (YoY)	19.39%	19.79%	16.62%	26.59%	23.38%
Trust Income	-	12.6	10.79	10.52	9.6
Other Non-Interest Income	17.42	2.28	2.4	1.28	1.01
Total Non-Interest Income	17.42	16.13	14.16	12.61	11.24
Non-Interest Income Growth (YoY)	8.00%	13.84%	12.30%	12.21%	34.59%
Revenues Before Loan Losses	82.72	70.83	59.83	51.77	42.17
Provision for Loan Losses	3.93	2.92	12.67	2.38	1.03
Revenue	78.8	67.9	47.15	49.39	41.15
Revenue Growth (YoY)	16.04%	44.01%	-4.53%	20.04%	27.95%
Salaries and Employee Benefits	-	29.45	25.95	21.39	17
Selling, General & Administrative	-	9.85	8.44	7.09	6.51
Other Non-Interest Expense	53.15	7.88	6.86	5.82	3.62
Total Non-Interest Expense	53.15	47.18	41.25	34.31	27.13
EBT Excluding Unusual Items	25.65	20.73	5.9	15.09	14.01
Pretax Income	25.65	20.73	5.9	15.09	14.01
Income Tax Expense	5.89	4.95	1.23	3.59	3.28
Net Income	19.76	15.77	4.67	11.5	10.73
Preferred Dividends & Other Adjustments	-	0.17	0.03	0.01	0.01
Net Income to Common	19.76	15.6	4.65	11.49	10.72
Net Income Growth	25.29%	237.43%	-59.35%	7.13%	45.93%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	2.70%	0.50%	-1.12%	1.10%	0.16%
EPS (Basic)	3.95	3.19	0.96	2.38	2.24
EPS (Diluted)	3.94	3.19	0.96	2.34	2.21
EPS Growth	23.51%	233.41%	-59.07%	5.97%	45.82%
Dividend Per Share	0.450	0.450	0.450	-	-
Effective Tax Rate	22.95%	23.90%	20.81%	23.78%	23.39%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.