Partners Bank of California (PBKX)

PBKX 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	28.31	26.37	20.46	15.86	15.84	16.29
Interest Income on Investments	-	-	3.1	0.74	0.22	0.23
Total Interest Income	28.31	26.37	23.56	16.59	16.06	16.51
Interest Paid on Deposits	10.82	9.63	5.72	0.9	0.77	1.38
Interest Paid on Borrowings	-	-	0.91	0.24	0.35	0.3
Total Interest Expense	10.82	9.63	6.63	1.14	1.12	1.68
Net Interest Income	17.5	16.74	16.93	15.46	14.94	14.84
Net Interest Income Growth (YoY)	5.97%	-1.12%	9.52%	3.44%	0.70%	37.81%
Other Non-Interest Income	2.13	2.95	0.81	0.39	0.32	0.27
Total Non-Interest Income	2.13	2.95	0.81	0.39	0.32	0.27
Non-Interest Income Growth (YoY)	29.59%	266.21%	109.09%	18.83%	21.35%	-29.55%
Revenues Before Loan Losses	19.63	19.69	17.73	15.84	15.27	15.11
Provision for Loan Losses	0.45	0.2	0.4	0.71	-	3.16
Revenue	19.18	19.48	17.33	15.13	15.27	11.94
Revenue Growth (YoY)	7.78%	12.42%	14.52%	-0.87%	27.82%	10.38%
Salaries and Employee Benefits	-	-	7.26	6.69	6.07	5.94
Occupancy Expenses	-	-	0.34	0.34	0.38	0.38
Selling, General & Administrative	-	-	0.81	0.81	0.8	0.65
Other Non-Interest Expense	10.97	10.9	2.23	2.08	2.07	1.66
Total Non-Interest Expense	10.97	10.9	10.82	10.08	9.47	8.79
EBT Excluding Unusual Items	8.21	8.59	6.51	5.06	5.8	3.15
Other Unusual Items	-	-	-	-	0.6	-
Pretax Income	8.21	8.59	6.51	5.06	6.4	3.15
Income Tax Expense	2.52	2.63	1.98	1.51	1.88	0.99
Net Income	5.68	5.96	4.53	3.55	4.52	2.17
Net Income to Common	5.68	5.96	4.53	3.55	4.52	2.17
Net Income Growth	11.54%	31.61%	27.79%	-21.48%	108.45%	4.94%
Basic Shares Outstanding	-	-	4	4	4	4
Diluted Shares Outstanding	-	-	5	5	4	4
Shares Change (YoY)	-	-	1.05%	2.43%	2.26%	6.39%
EPS (Basic)	-	-	1.02	0.80	1.05	0.50
EPS (Diluted)	-	-	0.98	0.77	1.01	0.49
EPS Growth	-	-	27.27%	-23.76%	106.12%	-2.00%
Effective Tax Rate	30.74%	30.57%	30.41%	29.89%	29.44%	31.26%

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