SVB & T 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	31.29	30.82	29.8	26.56	19.4	18.66
Interest Income on Investments	4.81	4.81	3.85	3.09	2.15	2.05
Total Interest Income	36.09	35.63	33.65	29.65	21.55	20.71
Interest Paid on Deposits	14.04	14.79	16.32	11.32	2.41	1.23
Interest Paid on Borrowings	-	-	0.38	0.7	0.76	0.73
Total Interest Expense	14.04	14.79	16.69	12.02	3.16	1.95
Net Interest Income	22.05	20.83	16.96	17.63	18.39	18.76
Net Interest Income Growth (YoY)	31.87%	22.85%	-3.81%	-4.13%	-1.96%	12.99%
Trust Income	5.96	5.75	5.1	4.49	4.1	4.07
Gain (Loss) on Sale of Investments	-	-	-0.01	-	-	0.01
Other Non-Interest Income	2.97	3.05	4.02	3	3.43	2.08
Total Non-Interest Income	10.36	10.14	10.38	8.4	8.65	8.59
Non-Interest Income Growth (YoY)	4.98%	-2.33%	23.59%	-2.95%	0.72%	10.21%
Revenues Before Loan Losses	32.41	30.97	27.34	26.03	27.04	27.35
Provision for Loan Losses	0.75	0.57	0.12	0.54	0.97	1.29
Revenue	31.67	30.4	27.22	25.48	26.07	26.06
Revenue Growth (YoY)	19.85%	11.69%	6.80%	-2.24%	0.02%	21.63%
Salaries and Employee Benefits	10.97	10.99	12.2	11.17	11.03	10.38
Occupancy Expenses	2.35	2.28	2.15	2.22	2.08	1.98
Federal Deposit Insurance	0.3	0.29	0.28	0.26	0.14	0.13
Selling, General & Administrative	0.7	0.57	0.17	0.13	0.05	0.05
Other Non-Interest Expense	5.77	5.73	5.4	5.18	5.23	4.74
Total Non-Interest Expense	20.09	19.85	20.19	18.96	18.52	17.28
EBT Excluding Unusual Items	11.58	10.55	7.03	6.52	7.55	8.79
Pretax Income	11.58	10.55	7.03	6.52	7.55	8.79
Income Tax Expense	1.87	1.73	0.92	0.88	1.2	1.4
Net Income	9.72	8.82	6.11	5.65	6.35	7.38
Preferred Dividends & Other Adjustments	0.02	0.02	0.02	0.02	0.02	0.02
Net Income to Common	9.7	8.81	6.09	5.63	6.34	7.37
Net Income Growth	64.82%	44.49%	8.16%	-11.10%	-13.98%	52.51%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	1.29%	0.48%	0.30%	-0.10%	-0.25%	-1.40%
EPS (Basic)	8.81	8.01	5.55	5.12	5.76	6.68
EPS (Diluted)	8.72	7.95	5.53	5.12	5.76	6.68
EPS Growth	62.90%	43.76%	7.92%	-11.04%	-13.79%	54.85%
Dividend Per Share	-	0.920	0.780	0.720	0.640	0.540
Dividend Growth	-	17.95%	8.33%	12.50%	18.52%	3.85%
Effective Tax Rate	16.11%	16.35%	13.11%	13.46%	15.88%	15.98%

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