SBNC Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	158.68	158.68	134.55	106.54	100.65	99.47
Interest Income on Investments	55.95	38.94	35.39	34.43	22.39	18.67
Total Interest Income	214.62	197.62	169.94	140.96	123.04	118.14
Interest Paid on Deposits	52.45	59.17	38.95	6.56	2.26	5.75
Interest Paid on Borrowings	12.96	12.96	12.9	4.62	2.86	2.45
Total Interest Expense	65.41	72.13	51.84	11.18	5.12	8.2
Net Interest Income	149.21	125.49	118.1	129.78	117.92	109.93
Net Interest Income Growth (YoY)	23.06%	6.26%	-9.00%	10.06%	7.27%	12.21%
Gain (Loss) on Sale of Investments	147.86	148.01	139.55	-16.06	55.26	14.58
Other Non-Interest Income	-133.97	22.33	19.36	17.88	17.79	13.76
Total Non-Interest Income	22.51	178.96	167.31	11.42	84.85	41.11
Non-Interest Income Growth (YoY)	-82.95%	6.97%	1365.56%	-86.55%	106.42%	-24.88%
Revenues Before Loan Losses	171.72	304.45	285.41	141.2	202.77	151.04
Provision for Loan Losses	0.97	0.79	-0.16	6.28	-0.82	9.12
Revenue	170.76	303.66	285.57	134.92	203.58	141.92
Revenue Growth (YoY)	-32.65%	6.33%	111.66%	-33.73%	43.45%	-6.14%
Salaries and Employee Benefits	62.65	62.65	60.2	57.84	54.33	50.04
Occupancy Expenses	6.28	6.28	6.38	6.42	6.33	6.1
Federal Deposit Insurance	2.44	2.44	2.38	1.42	1.23	0.72
Amortization of Goodwill & Intangibles	1.05	1.05	1.2	1.11	1.67	1.6
Selling, General & Administrative	22.21	22.21	19.89	19.39	17.94	17.99
Other Non-Interest Expense	13.26	8.99	10.56	9.3	6.94	7.62
Total Non-Interest Expense	107.88	103.61	100.61	95.48	88.43	85.84
EBT Excluding Unusual Items	62.88	200.05	184.96	39.44	115.15	56.08
Other Unusual Items	-	-	2.18	-	-	-
Pretax Income	62.88	200.05	187.14	39.44	115.15	56.08
Income Tax Expense	13.74	42.22	38.75	9.52	21.6	11.45
Net Income	49.14	157.82	148.39	29.92	93.55	44.64
Preferred Dividends & Other Adjustments	0.26	0.26	0.26	0.27	0.27	0.57
Net Income to Common	48.88	157.57	148.13	29.65	93.28	44.07
Net Income Growth	-58.62%	6.36%	395.97%	-68.02%	109.58%	-21.52%
Basic Shares Outstanding	0	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0	0
Shares Change (YoY)	-3.37%	-1.72%	-1.08%	-1.63%	-0.87%	-0.76%
EPS (Basic)	660.15	2064.11	1907.08	377.64	1168.54	547.29
EPS (Diluted)	660.15	2064.11	1907.08	377.64	1168.54	547.29
EPS Growth	-57.31%	8.23%	405.00%	-67.68%	113.51%	-19.67%
Dividend Per Share	43.750	25.000	25.000	25.000	20.000	15.000
Dividend Growth	600.00%	-	-	25.00%	33.33%	50.00%
Effective Tax Rate	21.85%	21.11%	20.71%	24.14%	18.76%	20.41%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.