QNB Corp. Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	73.33	73.05	65.37	53.88	40.92	38.33
Interest Income on Investments	19.59	19.59	18.7	15.2	11.5	8.44
Total Interest Income	92.92	92.64	84.07	69.08	52.42	46.77
Interest Paid on Deposits	33.84	35.13	37.48	25	6.9	4.23
Interest Paid on Borrowings	6.28	6.28	3.73	3.93	1.02	0.42
Total Interest Expense	40.12	41.41	41.21	28.93	7.92	4.64
Net Interest Income	52.8	51.23	42.86	40.16	44.5	42.13
Net Interest Income Growth (YoY)	19.38%	19.52%	6.74%	-9.76%	5.63%	13.10%
Gain (Loss) on Sale of Investments	-	-	0.7	-1.83	-0.76	2.73
Other Non-Interest Income	7.12	6.89	6.18	6.65	6.49	6.45
Total Non-Interest Income	7.17	6.96	6.91	4.84	5.73	9.78
Non-Interest Income Growth (YoY)	7.70%	0.64%	42.92%	-15.60%	-41.41%	28.66%
Revenues Before Loan Losses	59.98	58.19	49.78	44.99	50.23	51.91
Provision for Loan Losses	0.2	0.45	-0.07	-0.84	-0.85	0.46
Revenue	59.78	57.74	49.84	45.84	51.08	51.45
Revenue Growth (YoY)	18.78%	15.84%	8.74%	-10.26%	-0.72%	18.00%
Salaries and Employee Benefits	21.51	20.93	19.54	18.84	17.22	17.35
Occupancy Expenses	1.74	1.58	1.47	1.5	1.48	1.48
Federal Deposit Insurance	1.03	1.03	1.16	1.06	0.77	0.79
Selling, General & Administrative	10.13	10.13	9.05	8.47	7.81	7.44
Other Non-Interest Expense	5.14	5	4.26	4.24	4.21	3.94
Total Non-Interest Expense	39.55	38.67	35.48	34.11	31.49	31
EBT Excluding Unusual Items	20.23	19.07	14.36	11.73	19.59	20.45
Pretax Income	18.2	17.93	14.36	11.73	19.59	20.45
Income Tax Expense	3.92	3.84	2.91	2.24	3.67	3.96
Net Income	14.28	14.09	11.45	9.48	15.92	16.49
Net Income to Common	14.28	14.09	11.45	9.48	15.92	16.49
Net Income Growth	24.89%	23.08%	20.72%	-40.44%	-3.46%	36.49%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change (YoY)	1.54%	1.51%	1.74%	1.30%	0.29%	0.47%
EPS (Basic)	3.83	3.79	3.12	2.63	4.47	4.64
EPS (Diluted)	3.82	3.78	3.12	2.63	4.47	4.64
EPS Growth	23.15%	21.25%	18.70%	-41.20%	-3.74%	35.84%
Dividend Per Share	1.530	1.520	1.480	1.480	1.440	1.400
Dividend Growth	2.69%	2.70%	-	2.78%	2.86%	2.94%
Effective Tax Rate	21.55%	21.42%	20.27%	19.13%	18.71%	19.37%

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