US Metro Bancorp, Inc. (USMT)

US Metro Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	77.1	72.26	59.13	42.27	30.67	25.49
Interest Income on Investments	8.59	8.59	7.19	3.01	0.73	0.56
Total Interest Income	85.68	80.85	66.31	45.28	31.4	26.05
Interest Paid on Deposits	42.2	44.21	30.77	5.81	2.49	4.93
Interest Paid on Borrowings	2.57	2.57	2.77	1.45	1.48	0.56
Total Interest Expense	44.77	46.78	33.54	7.26	3.97	5.49
Net Interest Income	40.91	34.07	32.77	38.02	27.43	20.56
Net Interest Income Growth (YoY)	25.03%	3.96%	-13.80%	38.62%	33.38%	13.71%
Other Non-Interest Income	8.41	6.62	6.08	4.54	3.37	2.71
Total Non-Interest Income	14.66	12.87	13.33	12.87	19.23	6.62
Non-Interest Income Growth (YoY)	16.06%	-3.43%	3.56%	-33.07%	190.35%	22.00%
Revenues Before Loan Losses	55.57	46.94	46.1	50.89	46.66	27.19
Provision for Loan Losses	2.9	1.6	0.5	1.3	3	4.45
Revenue	52.67	45.34	45.6	49.59	43.66	22.74
Revenue Growth (YoY)	18.49%	-0.57%	-8.04%	13.59%	91.97%	3.55%
Salaries and Employee Benefits	24.39	24.39	21.32	17.36	14.79	10.13
Occupancy Expenses	1.4	1.4	1.18	1.21	1.17	1.04
Selling, General & Administrative	2.59	2.59	2.72	2.15	1.29	1.09
Other Non-Interest Expense	9.98	6.71	5.69	5.52	4.78	3.56
Total Non-Interest Expense	38.35	35.08	30.9	26.24	22.02	15.82
EBT Excluding Unusual Items	14.32	10.26	14.7	23.34	21.63	6.92
Pretax Income	14.32	10.26	14.7	23.34	21.63	6.92
Income Tax Expense	4.4	3.19	4.13	6.5	5.93	2.29
Earnings From Continuing Operations	9.92	7.07	10.57	16.84	15.7	4.63
Minority Interest in Earnings	0.07	0.07	0.05	0.01	-	-
Net Income	9.99	7.14	10.62	16.85	15.7	4.63
Net Income to Common	9.99	7.14	10.62	16.85	15.7	4.63
Net Income Growth	27.94%	-32.76%	-36.99%	7.27%	239.29%	-11.65%
Basic Shares Outstanding	69	17	16	16	16	16
Diluted Shares Outstanding	69	17	17	17	16	16
Shares Change (YoY)	301.56%	0.08%	0.42%	0.56%	0.78%	-1.15%
EPS (Basic)	0.14	0.43	0.65	1.03	0.97	0.29
EPS (Diluted)	0.14	0.43	0.64	1.02	0.96	0.28
EPS Growth	-68.14%	-32.81%	-37.26%	6.25%	242.86%	-12.50%
Dividend Per Share	0.060	0.120	0.120	0.100	0.050	-
Dividend Growth	-50.00%	-	20.00%	100.00%	-	-
Effective Tax Rate	30.72%	31.08%	28.10%	27.86%	27.40%	33.08%

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