Oakworth Capital 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 2021
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 '21 Dec 31, 2021
Interest Income on Loans	102.69	102.12	96.12	73.58	40.68	29.72
Interest Income on Investments	12.18	11.6	8.95	8.6	4.97	2.21
Total Interest Income	114.86	113.72	105.07	82.18	45.65	31.93
Interest Paid on Deposits	44.07	44.96	46.72	32.49	5.69	1
Interest Paid on Borrowings	3.58	3.45	3.65	4.03	0.81	-
Total Interest Expense	47.65	48.41	50.37	36.51	6.49	1
Net Interest Income	67.22	65.31	54.7	45.66	39.16	30.93
Net Interest Income Growth (YoY)	16.38%	19.39%	19.79%	16.62%	26.59%	23.38%
Trust Income	-	-	12.6	10.79	10.52	9.6
Other Non-Interest Income	18.01	17.42	2.28	2.4	1.28	1.01
Total Non-Interest Income	18.01	17.42	16.13	14.16	12.61	11.24
Non-Interest Income Growth (YoY)	11.49%	8.00%	13.84%	12.30%	12.21%	34.59%
Revenues Before Loan Losses	85.22	82.72	70.83	59.83	51.77	42.17
Provision for Loan Losses	4.47	3.93	2.92	12.67	2.38	1.03
Revenue	80.76	78.8	67.9	47.15	49.39	41.15
Revenue Growth (YoY)	14.37%	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	55.36	53.15	7.88	6.86	5.82	3.62
Total Non-Interest Expense	55.36	53.15	47.18	41.25	34.31	27.13
EBT Excluding Unusual Items	25.4	25.65	20.73	5.9	15.09	14.01
Pretax Income	25.4	25.65	20.73	5.9	15.09	14.01
Income Tax Expense	5.8	5.89	4.95	1.23	3.59	3.28
Net Income	19.6	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	19.6	19.76	15.6	4.65	11.49	10.72
Net Income Growth	16.16%	25.29%	237.43%	-59.35%	7.13%	45.93%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	3.36%	2.70%	0.50%	-1.12%	1.10%	0.16%
EPS (Basic)	3.90	3.95	3.19	0.96	2.38	2.24
EPS (Diluted)	3.87	3.94	3.19	0.96	2.34	2.21
EPS Growth	13.69%	23.51%	233.41%	-59.07%	5.97%	45.82%
Dividend Per Share	-	0.450	0.450	0.450	-	-
Effective Tax Rate	22.82%	22.95%	23.90%	20.81%	23.78%	23.39%

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