PBCO Financial Corporation (PBCO)

PBCO Financial 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	37.15	36.7	31.49	28.92	30.28	19.35
Interest Income on Investments	3.53	3.34	4.33	4.76	1.78	0.73
Total Interest Income	40.68	40.04	35.82	33.69	32.06	20.08
Interest Paid on Deposits	9.91	9.54	5.63	0.83	0.88	0.81
Interest Paid on Borrowings	1.44	1.86	2.69	0.89	0.06	0.17
Total Interest Expense	11.35	11.4	8.32	1.73	0.94	0.98
Net Interest Income	29.33	28.64	27.5	31.96	31.12	19.1
Net Interest Income Growth (YoY)	8.46%	4.15%	-13.96%	2.70%	62.94%	16.01%
Mortgage Banking Activities	-	-	0.21	0.31	0.22	0.39
Gain (Loss) on Sale of Assets	-	-	-	-	0.04	-
Gain (Loss) on Sale of Investments	-	-	-6.81	-	-	0.04
Gain (Loss) on Sale of Equity Investments	0.15	0.15	0.15	0.15	0.15	0.15
Other Non-Interest Income	3.96	4.01	4.32	4.36	3.54	2.47
Total Non-Interest Income	4.2	4.26	-1.67	5.82	6.59	6.96
Non-Interest Income Growth (YoY)	-	-	-	-11.79%	-5.28%	64.70%
Revenues Before Loan Losses	33.53	32.9	25.83	37.78	37.72	26.06
Provision for Loan Losses	-0.25	-0.13	0.51	0.93	0.11	1.33
Revenue	33.79	33.03	25.32	36.84	37.61	24.73
Revenue Growth (YoY)	37.71%	30.45%	-31.28%	-2.03%	52.07%	21.25%
Salaries and Employee Benefits	13.14	12.98	15.13	14.8	12.55	9.79
Occupancy Expenses	3.3	3.32	3.36	3.22	3.51	2.06
Selling, General & Administrative	2.87	2.82	2.75	2.69	3.43	2.73
Other Non-Interest Expense	3.22	3.01	2.69	2.97	2.81	1.78
Total Non-Interest Expense	22.61	22.2	24	23.67	22.3	16.36
EBT Excluding Unusual Items	11.18	10.83	1.32	13.17	15.31	8.37
Other Unusual Items	-	-	-	-	1.72	-
Pretax Income	11.18	10.83	1.32	13.17	14.56	8.07
Income Tax Expense	2.82	2.74	0.34	3.31	3.08	1.94
Net Income	8.36	8.09	0.98	9.86	11.47	6.13
Net Income to Common	8.36	8.09	0.98	9.86	11.47	6.13
Net Income Growth	749.88%	726.63%	-90.07%	-14.09%	87.13%	50.70%
Basic Shares Outstanding	5	5	5	5	5	4
Diluted Shares Outstanding	5	5	5	5	5	4
Shares Change (YoY)	-0.58%	-0.18%	3.94%	3.78%	31.48%	13.62%
EPS (Basic)	1.58	1.52	0.18	1.92	2.32	1.64
EPS (Diluted)	1.58	1.52	0.18	1.92	2.32	1.63
EPS Growth	796.12%	744.44%	-90.63%	-17.38%	42.69%	32.02%
Dividend Per Share	-	0.229	-	-	-	-
Effective Tax Rate	25.23%	25.31%	25.60%	25.16%	21.19%	24.01%

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