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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	82.76	72.26	59.13	42.27	30.67	25.49
Interest Income on Investments	-	8.59	7.19	3.01	0.73	0.56
Total Interest Income	82.76	80.85	66.31	45.28	31.4	26.05
Interest Paid on Deposits	44.71	44.21	30.77	5.81	2.49	4.93
Interest Paid on Borrowings	-	2.57	2.77	1.45	1.48	0.56
Total Interest Expense	44.71	46.78	33.54	7.26	3.97	5.49
Net Interest Income	38.05	34.07	32.77	38.02	27.43	20.56
Net Interest Income Growth (YoY)	13.69%	3.96%	-13.80%	38.62%	33.38%	13.71%
Other Non-Interest Income	12.84	6.62	6.08	4.54	3.37	2.71
Total Non-Interest Income	12.84	12.87	13.33	12.87	19.23	6.62
Non-Interest Income Growth (YoY)	4.59%	-3.43%	3.56%	-33.07%	190.35%	22.00%
Revenues Before Loan Losses	50.89	46.94	46.1	50.89	46.66	27.19
Provision for Loan Losses	1.9	1.6	0.5	1.3	3	4.45
Revenue	48.99	45.34	45.6	49.59	43.66	22.74
Revenue Growth (YoY)	7.80%	-0.57%	-8.04%	13.59%	91.97%	3.55%
Salaries and Employee Benefits	-	24.39	21.32	17.36	14.79	10.13
Occupancy Expenses	-	1.4	1.18	1.21	1.17	1.04
Selling, General & Administrative	-	2.59	2.72	2.15	1.29	1.09
Other Non-Interest Expense	35.3	6.71	5.69	5.52	4.78	3.56
Total Non-Interest Expense	35.3	35.08	30.9	26.24	22.02	15.82
EBT Excluding Unusual Items	13.69	10.26	14.7	23.34	21.63	6.92
Pretax Income	13.69	10.26	14.7	23.34	21.63	6.92
Income Tax Expense	4.14	3.19	4.13	6.5	5.93	2.29
Earnings From Continuing Operations	9.55	7.07	10.57	16.84	15.7	4.63
Minority Interest in Earnings	-	0.07	0.05	0.01	-	-
Net Income	9.55	7.14	10.62	16.85	15.7	4.63
Net Income to Common	9.55	7.14	10.62	16.85	15.7	4.63
Net Income Growth	-7.68%	-32.76%	-36.99%	7.27%	239.29%	-11.65%
Basic Shares Outstanding	19	17	16	16	16	16
Diluted Shares Outstanding	19	17	17	17	16	16
Shares Change (YoY)	1.55%	0.08%	0.42%	0.56%	0.78%	-1.15%
EPS (Basic)	0.50	0.43	0.65	1.03	0.97	0.29
EPS (Diluted)	0.50	0.43	0.64	1.02	0.96	0.28
EPS Growth	-9.09%	-32.81%	-37.26%	6.25%	242.86%	-12.50%
Dividend Per Share	-	0.120	0.120	0.100	0.050	-
Dividend Growth	-	-	20.00%	100.00%	-	-
Effective Tax Rate	30.25%	31.08%	28.10%	27.86%	27.40%	33.08%

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