Uwharrie Capital Corp (UWHR)

Uwharrie Capital Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	42.62	42.23	38.37	29.5	21.63	23.17
Interest Income on Investments	15.98	15.59	16.35	16.22	9.93	4.46
Total Interest Income	58.6	57.82	54.72	45.72	31.56	27.63
Interest Paid on Deposits	17.77	17.63	17.25	11.65	2.46	0.74
Interest Paid on Borrowings	1.32	1.34	1.55	1.38	1.36	0.8
Total Interest Expense	19.09	18.97	18.8	13.02	3.82	1.54
Net Interest Income	39.51	38.85	35.93	32.7	27.74	26.09
Net Interest Income Growth (YoY)	8.28%	8.15%	9.88%	17.87%	6.33%	19.50%
Gain (Loss) on Sale of Assets	0.02	0.02	-0.01	0.2	0.17	0.05
Gain (Loss) on Sale of Investments	0.2	-0.03	-0.12	-0.03	-0.19	0.96
Other Non-Interest Income	6.53	6.34	5.99	5.08	5.71	5.64
Total Non-Interest Income	11.84	11.26	9.74	9.47	10.13	18.93
Non-Interest Income Growth (YoY)	20.93%	15.64%	2.83%	-6.56%	-46.48%	-9.32%
Revenues Before Loan Losses	51.35	50.11	45.66	42.16	37.87	45.02
Provision for Loan Losses	0.38	0.73	0.53	1.51	-1.76	-0.92
Revenue	50.97	49.39	45.13	40.65	39.63	45.94
Revenue Growth (YoY)	12.16%	9.42%	11.03%	2.57%	-13.73%	13.93%
Salaries and Employee Benefits	22.7	22.24	20.63	19.12	19.49	21.52
Occupancy Expenses	1.45	1.42	1.35	1.35	1.27	1.35
Federal Deposit Insurance	0.55	0.54	0.56	0.48	0.3	0.23
Amortization of Goodwill & Intangibles	1.59	1.55	1.35	1.25	1.24	1.38
Selling, General & Administrative	4.94	4.95	4.9	4.4	4.33	4.21
Other Non-Interest Expense	4.32	4.09	3.59	3.29	3.06	4.41
Total Non-Interest Expense	35.55	34.78	32.37	29.89	29.68	33.09
EBT Excluding Unusual Items	15.42	14.6	12.76	10.76	9.95	12.85
Pretax Income	15.42	14.6	12.76	10.76	9.95	12.85
Income Tax Expense	3.4	3.25	2.85	2.17	1.71	2.76
Earnings From Continuing Operations	12.02	11.35	9.91	8.6	8.25	10.08
Minority Interest in Earnings	-0.57	-0.57	-0.57	-0.57	-0.57	-0.57
Net Income	11.45	10.79	9.34	8.03	7.68	9.52
Net Income to Common	11.45	10.79	9.34	8.03	7.68	9.52
Net Income Growth	20.35%	15.48%	16.32%	4.52%	-19.27%	26.23%
Basic Shares Outstanding	7	7	7	8	8	8
Diluted Shares Outstanding	7	7	7	8	8	8
Shares Change (YoY)	-2.00%	-2.24%	-2.09%	-0.68%	-3.45%	-2.25%
EPS (Basic)	1.59	1.49	1.26	1.06	1.01	1.21
EPS (Diluted)	1.59	1.49	1.26	1.06	1.01	1.21
EPS Growth	23.23%	18.25%	18.87%	5.03%	-16.38%	29.34%
Effective Tax Rate	22.07%	22.26%	22.35%	20.14%	17.13%	21.51%

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