Pacific Valley Bancorp (PVBK)

Pacific Valley Bancorp 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	31.38	26.07	21.63	19.49	16.3
Interest Income on Investments	-	2.71	4.38	1.53	0.2
Total Interest Income	31.38	28.78	26.02	21.02	16.5
Interest Paid on Deposits	11.26	10.21	7.06	0.95	0.56
Interest Paid on Borrowings	-	1.15	0.91	0.7	-
Total Interest Expense	11.26	11.36	7.97	1.65	0.56
Net Interest Income	20.12	17.43	18.05	19.36	15.95
Net Interest Income Growth (YoY)	15.45%	-3.44%	-6.79%	21.42%	13.33%
Other Non-Interest Income	1.71	0.45	0.39	0.34	0.31
Total Non-Interest Income	1.71	1.48	1.5	1.5	1.18
Non-Interest Income Growth (YoY)	15.77%	-1.47%	0.27%	27.32%	50.83%
Revenues Before Loan Losses	21.83	18.91	19.55	20.86	17.12
Provision for Loan Losses	0.28	-	-	0.59	0.42
Revenue	21.55	18.91	19.55	20.27	16.7
Revenue Growth (YoY)	13.99%	-3.28%	-3.55%	21.37%	15.96%
Salaries and Employee Benefits	-	7.43	7.42	7.89	7.04
Occupancy Expenses	-	0.5	0.43	0.49	0.49
Selling, General & Administrative	-	0.95	1	0.98	0.72
Other Non-Interest Expense	16.44	3.75	3.82	3.46	3
Total Non-Interest Expense	16.44	12.63	12.67	12.81	11.24
EBT Excluding Unusual Items	5.11	6.27	6.88	7.45	5.46
Pretax Income	5.11	6.27	6.88	7.45	5.46
Income Tax Expense	1.52	1.85	2.03	2.25	1.69
Net Income	3.59	4.42	4.85	5.21	3.77
Preferred Dividends & Other Adjustments	-	0.04	0.04	0.04	0.02
Net Income to Common	3.59	4.39	4.81	5.17	3.75
Net Income Growth	-18.77%	-8.75%	-6.91%	38.12%	15.93%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	11.53%	0.65%	0.26%	0.60%	10.47%
EPS (Basic)	0.66	0.90	0.99	1.07	0.78
EPS (Diluted)	0.66	0.90	0.99	1.07	0.78
EPS Growth	-26.58%	-9.20%	-7.36%	36.90%	5.21%
Effective Tax Rate	29.70%	29.49%	29.54%	30.13%	30.90%

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