Istarska kreditna banka Umag d.d. (ZSE:IKBA)

Heartland Financial USA Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	27.47	28.73	23.99	11.1	10.48	10.22
Interest Income on Investments	0.01	0.01	0.01	0.01	0.01	0.01
Total Interest Income	27.48	28.74	24	11.11	10.49	10.23
Interest Paid on Deposits	4.86	4.51	0.63	0.42	0.48	0.55
Net Interest Income	22.61	24.24	23.37	10.69	10.02	9.68
Net Interest Income Growth (YoY)	-11.61%	3.71%	118.56%	6.74%	3.46%	-3.08%
Income From Trading Activities	0.04	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	0.19	0.26	0.01	0.1
Gain (Loss) on Sale of Investments	0.02	0.02	-	-	-	1.17
Other Non-Interest Income	5.93	5.96	5.17	7.52	6.08	4.97
Total Non-Interest Income	5.98	5.98	5.36	7.78	6.09	6.23
Non-Interest Income Growth (YoY)	3.48%	11.58%	-31.19%	27.82%	-2.32%	0.07%
Revenues Before Loan Losses	28.59	30.21	28.72	18.48	16.11	15.92
Provision for Loan Losses	0.39	1.5	2.74	0.65	0.7	0.67
Revenue	28.2	28.71	25.99	17.83	15.4	15.25
Revenue Growth (YoY)	-1.85%	10.50%	45.73%	15.76%	1.02%	-0.80%
Salaries and Employee Benefits	8.45	8.45	7.26	6.31	5.7	5.62
Occupancy Expenses	0.57	0.56	0.62	0.65	0.71	0.75
Selling, General & Administrative	4.37	3.72	3.87	3.5	2.92	2.83
Other Non-Interest Expense	0.59	0.32	0.4	0.64	0.02	1.06
Total Non-Interest Expense	13.99	13.06	12.15	11.09	9.35	10.26
EBT Excluding Unusual Items	14.21	15.66	13.83	6.74	6.05	4.99
Pretax Income	14.21	15.66	13.83	6.74	6.05	4.99
Income Tax Expense	2.56	2.82	2.52	1.22	1.09	0.91
Net Income	11.64	12.83	11.32	5.51	4.95	4.07
Net Income to Common	11.64	12.83	11.32	5.51	4.95	4.07
Net Income Growth	-12.88%	13.38%	105.28%	11.28%	21.69%	1.03%
Basic Shares Outstanding	0	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0	0
Shares Change (YoY)	0.01%	-	-	-	-	0.03%
EPS (Basic)	78.68	86.72	76.48	37.26	33.48	27.51
EPS (Diluted)	78.68	86.72	76.48	37.26	33.48	27.51
EPS Growth	-12.89%	13.38%	105.28%	11.28%	21.69%	1.00%
Dividend Per Share	18.000	18.000	15.000	12.000	10.645	10.597
Dividend Growth	20.00%	20.00%	25.00%	12.73%	0.46%	5.14%
Effective Tax Rate	18.03%	18.03%	18.18%	18.17%	18.09%	18.33%

Updated Feb 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.