US Metro Bancorp 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	Sep '26 Sep 30, 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	86.3	79.54	72.26	59.13	42.27	30.67
Interest Income on Investments	7.84	7.84	8.59	7.19	3.01	0.73
Total Interest Income	94.14	87.38	80.85	66.31	45.28	31.4
Interest Paid on Deposits	41.9	41.89	44.21	30.77	5.81	2.49
Interest Paid on Borrowings	3.39	3.39	2.57	2.77	1.45	1.48
Total Interest Expense	45.29	45.28	46.78	33.54	7.26	3.97
Net Interest Income	48.84	42.1	34.07	32.77	38.02	27.43
Net Interest Income Growth	19.38%	23.57%	3.96%	-13.80%	38.62%	33.38%
Gain (Loss) on Sale of Investments	-0.05	-0.05	-	-	-	-
Other Non-Interest Income	16.12	7.25	6.62	6.08	4.54	3.37
Total Non-Interest Income	26.22	17.35	12.87	13.33	12.87	19.23
Non-Interest Income Growth	78.89%	34.81%	-3.43%	3.56%	-33.07%	190.35%
Revenues Before Loan Losses	75.07	59.45	46.94	46.1	50.89	46.66
Provision for Loan Losses	9.3	3.9	1.6	0.5	1.3	3
Revenue	65.77	55.55	45.34	45.6	49.59	43.66
Revenue Growth	24.86%	22.52%	-0.57%	-8.04%	13.59%	91.97%
Salaries and Employee Benefits	29.02	29.02	24.39	21.32	17.36	14.79
Occupancy Expenses	1.88	1.88	1.4	1.18	1.21	1.17
Selling, General & Administrative	2.87	2.87	2.59	2.72	2.15	1.29
Other Non-Interest Expense	13.86	7.23	6.71	5.69	5.52	4.78
Total Non-Interest Expense	47.62	41	35.08	30.9	26.24	22.02
EBT Excluding Unusual Items	18.14	14.56	10.26	14.7	23.34	21.63
Pretax Income	18.14	14.56	10.26	14.7	23.34	21.63
Income Tax Expense	5.4	4.37	3.19	4.13	6.5	5.93
Earnings From Continuing Operations	12.74	10.19	7.07	10.57	16.84	15.7
Minority Interest in Earnings	0.04	0.04	0.07	0.05	0.01	-
Net Income	12.79	10.23	7.14	10.62	16.85	15.7
Net Income to Common	12.79	10.23	7.14	10.62	16.85	15.7
Net Income Growth	28.04%	43.36%	-32.76%	-36.99%	7.27%	239.29%
Basic Shares Outstanding	17	17	17	16	16	16
Diluted Shares Outstanding	17	17	17	17	17	16
Shares Change	-75.00%	1.06%	0.08%	0.42%	0.56%	0.78%
EPS (Basic)	0.75	0.62	0.43	0.65	1.03	0.97
EPS (Diluted)	0.74	0.61	0.43	0.64	1.02	0.96
EPS Growth	412.14%	41.86%	-32.81%	-37.26%	6.25%	242.86%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.090	0.120	0.120	0.120	0.100	0.050
Dividend Growth	50.00%	0%	0%	20.00%	100.00%	-
Effective Tax Rate	29.76%	30.01%	31.08%	28.10%	27.86%	27.40%