Pacific Valley Bancorp (PVBK)

Pacific Valley Bancorp 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	27.25	26.07	21.63	19.49	16.3	14.79
Interest Income on Investments	2.71	2.71	4.38	1.53	0.2	0.33
Total Interest Income	29.96	28.78	26.02	21.02	16.5	15.12
Interest Paid on Deposits	10.55	10.21	7.06	0.95	0.56	1.05
Interest Paid on Borrowings	1.15	1.15	0.91	0.7	-	-
Total Interest Expense	11.7	11.36	7.97	1.65	0.56	1.05
Net Interest Income	18.27	17.43	18.05	19.36	15.95	14.07
Net Interest Income Growth (YoY)	2.40%	-3.44%	-6.79%	21.42%	13.33%	15.09%
Other Non-Interest Income	0.65	0.45	0.39	0.34	0.31	0.25
Total Non-Interest Income	1.68	1.48	1.5	1.5	1.18	0.78
Non-Interest Income Growth (YoY)	12.17%	-1.47%	0.27%	27.32%	50.83%	36.91%
Revenues Before Loan Losses	19.94	18.91	19.55	20.86	17.12	14.85
Provision for Loan Losses	-	-	-	0.59	0.42	0.45
Revenue	19.94	18.91	19.55	20.27	16.7	14.4
Revenue Growth (YoY)	3.16%	-3.28%	-3.55%	21.37%	15.96%	13.21%
Salaries and Employee Benefits	7.43	7.43	7.42	7.89	7.04	6.25
Occupancy Expenses	0.5	0.5	0.43	0.49	0.49	0.41
Selling, General & Administrative	0.95	0.95	1	0.98	0.72	0.5
Other Non-Interest Expense	5.28	3.75	3.82	3.46	3	2.65
Total Non-Interest Expense	14.16	12.63	12.67	12.81	11.24	9.8
EBT Excluding Unusual Items	5.79	6.27	6.88	7.45	5.46	4.6
Pretax Income	5.79	6.27	6.88	7.45	5.46	4.6
Income Tax Expense	1.71	1.85	2.03	2.25	1.69	1.35
Net Income	4.08	4.42	4.85	5.21	3.77	3.25
Preferred Dividends & Other Adjustments	0.04	0.04	0.04	0.04	0.02	0.02
Net Income to Common	4.04	4.39	4.81	5.17	3.75	3.23
Net Income Growth	-12.20%	-8.75%	-6.91%	38.12%	15.93%	21.12%
Basic Shares Outstanding	5	5	5	5	5	4
Diluted Shares Outstanding	5	5	5	5	5	4
Shares Change (YoY)	0.88%	0.65%	0.26%	0.60%	10.47%	-
EPS (Basic)	0.83	0.90	0.99	1.07	0.78	0.74
EPS (Diluted)	0.83	0.90	0.99	1.07	0.78	0.74
EPS Growth	-12.73%	-9.20%	-7.36%	36.90%	5.21%	21.80%
Effective Tax Rate	29.56%	29.49%	29.54%	30.13%	30.90%	29.30%

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