Uwharrie Capital 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	42.23	38.37	29.5	21.63	23.17
Interest Income on Investments	15.59	16.35	16.22	9.93	4.46
Total Interest Income	57.82	54.72	45.72	31.56	27.63
Interest Paid on Deposits	17.63	17.25	11.65	2.46	0.74
Interest Paid on Borrowings	1.34	1.55	1.38	1.36	0.8
Total Interest Expense	18.97	18.8	13.02	3.82	1.54
Net Interest Income	38.85	35.93	32.7	27.74	26.09
Net Interest Income Growth (YoY)	8.15%	9.88%	17.87%	6.33%	19.50%
Gain (Loss) on Sale of Assets	-	-0.01	0.2	0.17	0.05
Gain (Loss) on Sale of Investments	-0.03	-0.12	-0.03	-0.19	0.96
Other Non-Interest Income	6.36	5.99	5.08	5.71	5.64
Total Non-Interest Income	11.26	9.74	9.47	10.13	18.93
Non-Interest Income Growth (YoY)	15.64%	2.83%	-6.56%	-46.48%	-9.32%
Revenues Before Loan Losses	50.11	45.66	42.16	37.87	45.02
Provision for Loan Losses	0.73	0.53	1.51	-1.76	-0.92
Revenue	49.39	45.13	40.65	39.63	45.94
Revenue Growth (YoY)	9.42%	11.03%	2.57%	-13.73%	13.93%
Salaries and Employee Benefits	22.44	20.63	19.12	19.49	21.52
Occupancy Expenses	1.87	1.35	1.35	1.27	1.35
Federal Deposit Insurance	0.54	0.56	0.48	0.3	0.23
Amortization of Goodwill & Intangibles	1.55	1.35	1.25	1.24	1.38
Selling, General & Administrative	4.3	4.9	4.4	4.33	4.21
Other Non-Interest Expense	4.09	3.59	3.29	3.06	4.41
Total Non-Interest Expense	34.78	32.37	29.89	29.68	33.09
EBT Excluding Unusual Items	14.6	12.76	10.76	9.95	12.85
Pretax Income	14.6	12.76	10.76	9.95	12.85
Income Tax Expense	3.25	2.85	2.17	1.71	2.76
Earnings From Continuing Operations	11.35	9.91	8.6	8.25	10.08
Minority Interest in Earnings	-0.57	-0.57	-0.57	-0.57	-0.57
Net Income	10.79	9.34	8.03	7.68	9.52
Net Income to Common	10.79	9.34	8.03	7.68	9.52
Net Income Growth	15.48%	16.32%	4.52%	-19.27%	26.23%
Basic Shares Outstanding	7	7	8	8	8
Diluted Shares Outstanding	7	7	8	8	8
Shares Change (YoY)	-2.24%	-2.09%	-0.68%	-3.45%	-2.25%
EPS (Basic)	1.49	1.26	1.06	1.01	1.21
EPS (Diluted)	1.49	1.26	1.06	1.01	1.21
EPS Growth	18.09%	19.23%	4.86%	-16.38%	29.34%
Effective Tax Rate	22.26%	22.35%	20.14%	17.13%	21.51%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.