Uwharrie Capital 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	Jun '26 Jun 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	42.83	42.23	38.37	29.5	21.63	23.17
Interest Income on Investments	16.31	15.59	16.35	16.22	9.93	4.46
Total Interest Income	59.14	57.82	54.72	45.72	31.56	27.63
Interest Paid on Deposits	17.85	17.63	17.25	11.65	2.46	0.74
Interest Paid on Borrowings	1.33	1.34	1.55	1.38	1.36	0.8
Total Interest Expense	19.18	18.97	18.8	13.02	3.82	1.54
Net Interest Income	39.97	38.85	35.93	32.7	27.74	26.09
Net Interest Income Growth	6.85%	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	1.01	-0.03	-0.12	-0.03	-0.19	0.96
Other Non-Interest Income	6.64	6.34	5.99	5.08	5.71	5.64
Total Non-Interest Income	12.75	11.26	9.74	9.47	10.13	18.93
Non-Interest Income Growth	21.73%	15.64%	2.83%	-6.56%	-46.48%	-9.32%
Revenues Before Loan Losses	52.72	50.11	45.66	42.16	37.87	45.02
Provision for Loan Losses	-0.3	0.73	0.53	1.51	-1.76	-0.92
Revenue	53.02	49.39	45.13	40.65	39.63	45.94
Revenue Growth	12.27%	9.42%	11.03%	2.57%	-13.73%	13.93%
Salaries and Employee Benefits	22.97	22.24	20.63	19.12	19.49	21.52
Occupancy Expenses	1.29	1.42	1.35	1.35	1.27	1.35
Federal Deposit Insurance	0.56	0.54	0.56	0.48	0.3	0.23
Amortization of Goodwill & Intangibles	1.67	1.55	1.35	1.25	1.24	1.38
Selling, General & Administrative	5.41	4.95	4.9	4.4	4.33	4.21
Other Non-Interest Expense	4.31	4.09	3.59	3.29	3.06	4.41
Total Non-Interest Expense	36.19	34.78	32.37	29.89	29.68	33.09
EBT Excluding Unusual Items	16.83	14.6	12.76	10.76	9.95	12.85
Pretax Income	16.83	14.6	12.76	10.76	9.95	12.85
Income Tax Expense	3.72	3.25	2.85	2.17	1.71	2.76
Earnings From Continuing Operations	13.1	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	12.54	10.79	9.34	8.03	7.68	9.52
Net Income to Common	12.54	10.79	9.34	8.03	7.68	9.52
Net Income Growth	23.84%	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	-1.79%	-2.24%	-2.09%	-0.68%	-3.45%	-2.25%
EPS (Basic)	1.75	1.49	1.26	1.06	1.01	1.21
EPS (Diluted)	1.75	1.49	1.26	1.06	1.01	1.21
EPS Growth	26.78%	18.25%	18.87%	5.03%	-16.38%	29.34%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Effective Tax Rate	22.13%	22.26%	22.35%	20.14%	17.13%	21.51%