Uwharrie Capital Corp (UWHR)

Uwharrie Capital 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	41.83	38.37	29.5	21.63	23.17	20.08
Interest Income on Investments	15.63	16.35	16.22	9.93	4.46	3.99
Total Interest Income	57.46	54.72	45.72	31.56	27.63	24.08
Interest Paid on Deposits	17.87	17.25	11.65	2.46	0.74	1.68
Interest Paid on Borrowings	1.35	1.55	1.38	1.36	0.8	0.57
Total Interest Expense	19.22	18.8	13.02	3.82	1.54	2.24
Net Interest Income	38.24	35.93	32.7	27.74	26.09	21.83
Net Interest Income Growth (YoY)	9.19%	9.88%	17.87%	6.33%	19.50%	8.07%
Gain (Loss) on Sale of Assets	-0.01	-0.01	0.2	0.17	0.05	0.41
Gain (Loss) on Sale of Investments	-0.02	-0.12	-0.03	-0.19	0.96	0.52
Other Non-Interest Income	6.5	5.99	5.08	5.71	5.64	4.2
Total Non-Interest Income	11.02	9.74	9.47	10.13	18.93	20.88
Non-Interest Income Growth (YoY)	17.70%	2.83%	-6.56%	-46.48%	-9.32%	131.84%
Revenues Before Loan Losses	49.26	45.66	42.16	37.87	45.02	42.71
Provision for Loan Losses	1.07	0.53	1.51	-1.76	-0.92	2.39
Revenue	48.19	45.13	40.65	39.63	45.94	40.32
Revenue Growth (YoY)	10.32%	11.03%	2.57%	-13.73%	13.93%	35.33%
Salaries and Employee Benefits	21.83	20.63	19.12	19.49	21.52	19.75
Occupancy Expenses	1.64	1.35	1.35	1.27	1.35	1.4
Federal Deposit Insurance	0.59	0.56	0.48	0.3	0.23	0.3
Amortization of Goodwill & Intangibles	1.48	1.35	1.25	1.24	1.38	1.26
Selling, General & Administrative	4.76	4.9	4.4	4.33	4.21	3.88
Other Non-Interest Expense	4.32	3.59	3.29	3.06	4.41	3.29
Total Non-Interest Expense	34.61	32.37	29.89	29.68	33.09	29.88
EBT Excluding Unusual Items	13.58	12.76	10.76	9.95	12.85	10.44
Pretax Income	13.58	12.76	10.76	9.95	12.85	10.44
Income Tax Expense	3.04	2.85	2.17	1.71	2.76	2.34
Earnings From Continuing Operations	10.54	9.91	8.6	8.25	10.08	8.11
Minority Interest in Earnings	-0.56	-0.57	-0.57	-0.57	-0.57	-0.57
Net Income	9.98	9.34	8.03	7.68	9.52	7.54
Net Income to Common	9.98	9.34	8.03	7.68	9.52	7.54
Net Income Growth	6.92%	16.32%	4.52%	-19.27%	26.23%	198.85%
Basic Shares Outstanding	7	7	8	8	8	8
Diluted Shares Outstanding	7	7	8	8	8	8
Shares Change (YoY)	-2.58%	-2.09%	-0.68%	-3.45%	-2.25%	-2.89%
EPS (Basic)	1.37	1.26	1.06	1.01	1.21	0.93
EPS (Diluted)	1.37	1.26	1.06	1.01	1.21	0.93
EPS Growth	9.59%	19.23%	4.86%	-16.38%	29.34%	210.65%
Effective Tax Rate	22.37%	22.35%	20.14%	17.13%	21.51%	22.38%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.