US Metro Bancorp 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	87.97	72.26	59.13	42.27	30.67
Interest Income on Investments	-	8.59	7.19	3.01	0.73
Total Interest Income	87.97	80.85	66.31	45.28	31.4
Interest Paid on Deposits	42.92	44.21	30.77	5.81	2.49
Interest Paid on Borrowings	-	2.57	2.77	1.45	1.48
Total Interest Expense	42.92	46.78	33.54	7.26	3.97
Net Interest Income	45.05	34.07	32.77	38.02	27.43
Net Interest Income Growth (YoY)	32.22%	3.96%	-13.80%	38.62%	33.38%
Other Non-Interest Income	16.71	6.62	6.08	4.54	3.37
Total Non-Interest Income	16.71	12.87	13.33	12.87	19.23
Non-Interest Income Growth (YoY)	29.83%	-3.43%	3.56%	-33.07%	190.35%
Revenues Before Loan Losses	61.76	46.94	46.1	50.89	46.66
Provision for Loan Losses	3.9	1.6	0.5	1.3	3
Revenue	57.86	45.34	45.6	49.59	43.66
Revenue Growth (YoY)	27.60%	-0.57%	-8.04%	13.59%	91.97%
Salaries and Employee Benefits	-	24.39	21.32	17.36	14.79
Occupancy Expenses	-	1.4	1.18	1.21	1.17
Selling, General & Administrative	-	2.59	2.72	2.15	1.29
Other Non-Interest Expense	40.47	6.71	5.69	5.52	4.78
Total Non-Interest Expense	40.47	35.08	30.9	26.24	22.02
EBT Excluding Unusual Items	17.39	10.26	14.7	23.34	21.63
Pretax Income	17.39	10.26	14.7	23.34	21.63
Income Tax Expense	5.1	3.19	4.13	6.5	5.93
Earnings From Continuing Operations	12.29	7.07	10.57	16.84	15.7
Minority Interest in Earnings	-	0.07	0.05	0.01	-
Net Income	12.29	7.14	10.62	16.85	15.7
Net Income to Common	12.29	7.14	10.62	16.85	15.7
Net Income Growth	72.14%	-32.76%	-36.99%	7.27%	239.29%
Basic Shares Outstanding	20	17	16	16	16
Diluted Shares Outstanding	20	17	17	17	16
Shares Change (YoY)	19.39%	0.08%	0.42%	0.56%	0.78%
EPS (Basic)	0.62	0.43	0.65	1.03	0.97
EPS (Diluted)	0.62	0.43	0.64	1.02	0.96
EPS Growth	44.19%	-32.81%	-37.26%	6.25%	242.86%
Dividend Per Share	0.120	0.120	0.120	0.100	0.050
Dividend Growth	-	-	20.00%	100.00%	-
Effective Tax Rate	29.33%	31.08%	28.10%	27.86%	27.40%

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