Oregon Pacific Bancorp 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	34.33	33.4	30.38	25.53	19.74	19.79
Interest Income on Investments	6.78	6.68	6.92	7.77	5.15	1.26
Total Interest Income	41.11	40.08	37.3	33.3	24.9	21.05
Interest Paid on Deposits	9.06	9.2	9.02	5.33	0.73	0.45
Interest Paid on Borrowings	1.24	1.25	1.34	1.07	0.8	0.28
Total Interest Expense	10.3	10.44	10.37	6.4	1.52	0.73
Net Interest Income	30.81	29.64	26.94	26.9	23.37	20.32
Net Interest Income Growth (YoY)	13.20%	10.03%	0.13%	15.10%	15.02%	12.49%
Trust Income	4.59	4.7	4	3.62	3.21	3.03
Gain (Loss) on Sale of Investments	-	-	-	-	-1.83	-
Other Non-Interest Income	4.04	3.99	3.73	3.39	3.85	2.9
Total Non-Interest Income	8.63	8.71	7.94	7.16	5.53	6.62
Non-Interest Income Growth (YoY)	4.08%	9.64%	10.96%	29.49%	-16.48%	28.57%
Revenues Before Loan Losses	39.44	38.34	34.88	34.06	28.9	26.94
Provision for Loan Losses	1.19	1.12	0.31	-0.23	0.69	-
Revenue	38.25	37.22	34.57	34.29	28.2	26.94
Revenue Growth (YoY)	8.65%	7.66%	0.83%	21.57%	4.71%	28.07%
Salaries and Employee Benefits	14.84	14.92	14.1	12.47	10.74	9.47
Federal Deposit Insurance	0.35	0.35	0.35	0.35	0.2	0.38
Selling, General & Administrative	6.73	6.61	6.39	5.9	4.83	4.05
Other Non-Interest Expense	3.9	3.93	3.78	3.3	2.92	2.63
Total Non-Interest Expense	25.86	25.81	24.63	22.02	18.69	16.52
EBT Excluding Unusual Items	12.39	11.41	9.95	12.27	9.51	10.41
Pretax Income	12.39	11.41	9.95	12.27	9.51	10.41
Income Tax Expense	3.12	2.84	2.42	3.04	2.37	2.61
Net Income	9.27	8.57	7.52	9.23	7.14	7.8
Net Income to Common	9.27	8.57	7.52	9.23	7.14	7.8
Net Income Growth	21.70%	13.99%	-18.54%	29.23%	-8.42%	79.19%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change (YoY)	0.49%	0.54%	0.68%	0.45%	0.42%	0.51%
EPS (Basic)	1.29	1.20	1.05	1.30	1.01	1.11
EPS (Diluted)	1.29	1.19	1.05	1.30	1.01	1.11
EPS Growth	21.71%	13.33%	-19.23%	28.71%	-8.88%	78.78%
Effective Tax Rate	25.19%	24.89%	24.38%	24.76%	24.90%	25.07%

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