Pinnacle Bank (PBNK)

Pinnacle Bank 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	50.94	51.71	46.68	31.92	24.13	22.18
Total Interest Income	50.94	51.71	46.68	31.92	24.13	22.18
Interest Paid on Deposits	13.87	13.73	9.54	2.02	1.05	1.89
Total Interest Expense	13.87	13.73	9.54	2.02	1.05	1.89
Net Interest Income	37.07	37.98	37.14	29.9	23.08	20.29
Net Interest Income Growth (YoY)	-1.86%	2.28%	24.21%	29.55%	13.76%	2.73%
Other Non-Interest Income	2.07	2.2	4.14	2.9	7.09	3.73
Total Non-Interest Income	2.07	2.2	4.14	2.9	7.09	3.73
Non-Interest Income Growth (YoY)	-40.86%	-46.92%	42.61%	-59.05%	90.10%	17.79%
Revenues Before Loan Losses	39.14	40.18	41.28	32.8	30.16	24.02
Provision for Loan Losses	3.49	3.79	0.33	-1.15	-	2.07
Revenue	35.66	36.39	40.95	33.95	30.16	21.95
Revenue Growth (YoY)	-12.55%	-11.13%	20.60%	12.55%	37.45%	-3.04%
Other Non-Interest Expense	24.22	24.09	24.4	22.02	19.24	16.2
Total Non-Interest Expense	24.22	24.09	24.4	22.02	19.24	16.2
EBT Excluding Unusual Items	11.44	12.3	16.55	11.94	10.92	5.74
Pretax Income	11.44	12.3	16.55	11.94	10.92	5.74
Income Tax Expense	3.13	3.46	4.78	3.48	3.17	1.8
Net Income	8.31	8.85	11.77	8.45	7.75	3.94
Net Income to Common	8.31	8.85	11.77	8.45	7.75	3.94
Net Income Growth	-27.77%	-24.85%	39.25%	9.07%	96.65%	-29.17%
Basic Shares Outstanding	6	6	6	5	5	5
Diluted Shares Outstanding	6	6	6	6	5	5
Shares Change (YoY)	0.44%	4.40%	2.25%	1.90%	2.48%	1.46%
EPS (Basic)	1.42	1.52	2.09	1.55	1.45	0.75
EPS (Diluted)	1.39	1.49	2.07	1.52	1.42	0.74
EPS Growth	-28.25%	-28.02%	36.18%	7.04%	91.89%	-30.19%
Effective Tax Rate	27.39%	28.09%	28.86%	29.18%	29.05%	31.39%

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