PBCO Financial Corporation (PBCO)

PBCO Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	38.36	36.7	31.49	28.92	30.28
Interest Income on Investments	4.07	3.34	4.33	4.76	1.78
Total Interest Income	42.43	40.04	35.82	33.69	32.06
Interest Paid on Deposits	10	9.54	5.63	0.83	0.88
Interest Paid on Borrowings	1.04	1.86	2.69	0.89	0.06
Total Interest Expense	11.04	11.4	8.32	1.73	0.94
Net Interest Income	31.39	28.64	27.5	31.96	31.12
Net Interest Income Growth (YoY)	9.60%	4.15%	-13.96%	2.70%	62.94%
Mortgage Banking Activities	-	-	0.21	0.31	0.22
Gain (Loss) on Sale of Assets	-	-	-	-	0.04
Gain (Loss) on Sale of Investments	-	-	-6.81	-	-
Gain (Loss) on Sale of Equity Investments	0.15	0.15	0.15	0.15	0.15
Other Non-Interest Income	4.05	4.01	4.32	4.36	3.54
Total Non-Interest Income	4.31	4.26	-1.67	5.82	6.59
Non-Interest Income Growth (YoY)	1.26%	-	-	-11.79%	-5.28%
Revenues Before Loan Losses	35.7	32.9	25.83	37.78	37.72
Provision for Loan Losses	0.92	-0.13	0.51	0.93	0.11
Revenue	34.78	33.03	25.32	36.84	37.61
Revenue Growth (YoY)	5.29%	30.45%	-31.28%	-2.03%	52.07%
Salaries and Employee Benefits	14.08	12.56	14.71	14.8	12.55
Occupancy Expenses	3.3	3.32	3.36	3.22	3.51
Selling, General & Administrative	3.3	3.24	3.16	2.69	3.43
Other Non-Interest Expense	2.58	3.01	2.69	2.97	2.81
Total Non-Interest Expense	23.27	22.2	24	23.67	22.3
EBT Excluding Unusual Items	11.51	10.83	1.32	13.17	15.31
Other Unusual Items	-	-	-	-	1.72
Pretax Income	11.51	10.83	1.32	13.17	14.56
Income Tax Expense	2.95	2.74	0.34	3.31	3.08
Net Income	8.56	8.09	0.98	9.86	11.47
Net Income to Common	8.56	8.09	0.98	9.86	11.47
Net Income Growth	5.87%	726.63%	-90.07%	-14.09%	87.13%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	-0.41%	-0.18%	3.94%	3.78%	31.48%
EPS (Basic)	1.63	1.52	0.18	1.92	2.32
EPS (Diluted)	1.62	1.52	0.18	1.92	2.32
EPS Growth	6.58%	744.44%	-90.63%	-17.38%	42.69%
Dividend Per Share	0.250	0.229	-	-	-
Dividend Growth	9.17%	-	-	-	-
Effective Tax Rate	25.60%	25.31%	25.60%	25.16%	21.19%

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