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	Jun '26 Jun 30, 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	104.09	102.12	96.12	73.58	40.68	29.72
Interest Income on Investments	12.96	11.76	8.95	8.6	4.97	2.21
Total Interest Income	117.05	113.88	105.07	82.18	45.65	31.93
Interest Paid on Deposits	42.95	44.96	46.72	32.49	5.69	1
Interest Paid on Borrowings	4.16	3.45	3.65	4.03	0.81	-
Total Interest Expense	47.11	48.41	50.37	36.51	6.49	1
Net Interest Income	69.94	65.47	54.7	45.66	39.16	30.93
Net Interest Income Growth	15.55%	19.69%	19.79%	16.62%	26.59%	23.38%
Trust Income	14.19	14.19	12.6	10.79	10.52	9.6
Other Non-Interest Income	3.24	1.78	2.28	2.4	1.28	1.01
Total Non-Interest Income	18.71	17.25	16.13	14.16	12.61	11.24
Non-Interest Income Growth	15.26%	6.99%	13.84%	12.30%	12.21%	34.59%
Revenues Before Loan Losses	88.65	82.72	70.83	59.83	51.77	42.17
Provision for Loan Losses	5.24	3.93	2.92	12.67	2.38	1.03
Revenue	83.41	78.8	67.9	47.15	49.39	41.15
Revenue Growth	14.16%	16.04%	44.01%	-4.53%	20.04%	27.95%
Salaries and Employee Benefits	32.69	32.69	29.45	25.95	21.39	17
Selling, General & Administrative	10.33	10.33	9.85	8.44	7.09	6.51
Other Non-Interest Expense	13.05	10.13	7.88	6.86	5.82	3.62
Total Non-Interest Expense	56.06	53.15	47.18	41.25	34.31	27.13
EBT Excluding Unusual Items	27.35	25.65	20.73	5.9	15.09	14.01
Pretax Income	27.35	25.65	20.73	5.9	15.09	14.01
Income Tax Expense	6.26	5.89	4.95	1.23	3.59	3.28
Net Income	21.09	19.76	15.77	4.67	11.5	10.73
Preferred Dividends & Other Adjustments	0.35	0.35	0.17	0.03	0.01	0.01
Net Income to Common	20.74	19.41	15.6	4.65	11.49	10.72
Net Income Growth	18.72%	24.41%	235.55%	-59.53%	7.13%	46.05%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change	2.50%	0.87%	0.50%	-1.12%	1.10%	0.16%
EPS (Basic)	4.17	3.95	3.19	0.96	2.38	2.24
EPS (Diluted)	4.12	3.94	3.19	0.96	2.34	2.21
EPS Growth	15.97%	23.52%	233.41%	-59.07%	5.97%	45.82%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	-	0.450	0.450	0.450	-	-
Dividend Growth	-	0%	0%	-	-	-
Effective Tax Rate	22.90%	22.95%	23.90%	20.81%	23.78%	23.39%