SVB & T Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	30.82	29.8	26.56	19.4	18.66
Interest Income on Investments	4.81	3.85	3.09	2.15	2.05
Total Interest Income	35.63	33.65	29.65	21.55	20.71
Interest Paid on Deposits	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	14.79	16.69	12.02	3.16	1.95
Net Interest Income	20.83	16.96	17.63	18.39	18.76
Net Interest Income Growth (YoY)	22.85%	-3.81%	-4.13%	-1.96%	12.99%
Trust Income	5.75	5.1	4.49	4.1	4.07
Gain (Loss) on Sale of Investments	-	-0.01	-	-	0.01
Other Non-Interest Income	3.05	4.02	3	3.43	2.08
Total Non-Interest Income	10.14	10.38	8.4	8.65	8.59
Non-Interest Income Growth (YoY)	-2.33%	23.59%	-2.95%	0.72%	10.21%
Revenues Before Loan Losses	30.97	27.34	26.03	27.04	27.35
Provision for Loan Losses	0.57	0.12	0.54	0.97	1.29
Revenue	30.4	27.22	25.48	26.07	26.06
Revenue Growth (YoY)	11.69%	6.80%	-2.24%	0.02%	21.63%
Salaries and Employee Benefits	11.51	12.2	11.17	11.03	10.38
Occupancy Expenses	2.33	2.15	2.22	2.08	1.98
Federal Deposit Insurance	0.29	0.28	0.26	0.14	0.13
Selling, General & Administrative	-	0.17	0.13	0.05	0.05
Other Non-Interest Expense	5.73	5.4	5.18	5.23	4.74
Total Non-Interest Expense	19.85	20.19	18.96	18.52	17.28
EBT Excluding Unusual Items	10.55	7.03	6.52	7.55	8.79
Pretax Income	10.55	7.03	6.52	7.55	8.79
Income Tax Expense	1.73	0.92	0.88	1.2	1.4
Net Income	8.82	6.11	5.65	6.35	7.38
Preferred Dividends & Other Adjustments	-	0.02	0.02	0.02	0.02
Net Income to Common	8.82	6.09	5.63	6.34	7.37
Net Income Growth	44.49%	8.16%	-11.10%	-13.98%	52.51%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	1.22%	-0.19%	-0.10%	-0.25%	-1.40%
EPS (Basic)	8.01	5.55	5.12	5.76	6.68
EPS (Diluted)	7.95	5.55	5.12	5.76	6.68
EPS Growth	43.13%	8.40%	-11.04%	-13.79%	54.85%
Dividend Per Share	-	0.800	0.720	0.640	0.540
Dividend Growth	-	11.11%	12.50%	18.52%	3.85%
Effective Tax Rate	16.35%	13.11%	13.46%	15.88%	15.98%

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