Beacon Financial Corporation (BBT)

Beacon Financial 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	632.95	587.93	533.74	328.77	297.93	309.8
Interest Income on Investments	49.16	40.59	43.55	16.42	13.6	17.02
Total Interest Income	682.11	628.52	577.29	345.19	311.53	326.82
Interest Paid on Deposits	234.62	232.96	175.67	29.59	20.71	48.43
Interest Paid on Borrowings	55.38	65.97	61.91	15.82	8.44	18.23
Total Interest Expense	290	298.94	237.58	45.42	29.16	66.65
Net Interest Income	392.11	329.59	339.71	299.77	282.37	260.16
Net Interest Income Growth (YoY)	19.49%	-2.98%	13.32%	6.16%	8.54%	2.71%
Gain (Loss) on Sale of Investments	0.06	0.36	1.37	0.22	-0.04	1.97
Other Non-Interest Income	15.56	14.12	16.04	12.97	12.71	12.51
Total Non-Interest Income	30.62	25.97	31.6	28.25	26.99	24.64
Non-Interest Income Growth (YoY)	11.80%	-17.79%	11.86%	4.65%	9.52%	-17.28%
Revenues Before Loan Losses	422.73	355.56	371.31	328.02	309.36	284.81
Provision for Loan Losses	104.61	22	37.87	8.53	-7.84	61.89
Revenue	318.12	333.56	333.44	319.49	317.2	222.92
Revenue Growth (YoY)	-4.71%	0.03%	4.37%	0.72%	42.29%	-18.50%
Salaries and Employee Benefits	154.7	139.82	134.8	109.83	103.81	98.18
Occupancy Expenses	14.47	13.07	11.68	9.7	8.8	9
Federal Deposit Insurance	7.91	8.04	7.84	3.18	2.98	4.23
Amortization of Goodwill & Intangibles	8.15	6.75	7.84	0.49	0.88	1.27
Selling, General & Administrative	55.94	52.63	51.58	40.83	36.33	35.82
Other Non-Interest Expense	19.28	17.35	18.38	13.26	9.82	12.35
Total Non-Interest Expense	260.45	237.66	232.11	177.29	162.61	160.84
EBT Excluding Unusual Items	57.67	95.89	101.33	142.2	154.59	62.08
Pretax Income	7.02	91.69	93.91	139.95	154.59	62.08
Income Tax Expense	-1.4	22.98	18.92	30.21	39.15	14.44
Earnings From Continuing Operations	8.42	68.72	75	109.74	115.44	47.64
Net Income	8.42	68.72	75	109.74	115.44	47.64
Net Income to Common	8.42	68.72	75	109.74	115.44	47.64
Net Income Growth	-88.63%	-8.38%	-31.66%	-4.93%	142.34%	-45.70%
Basic Shares Outstanding	89	89	88	77	78	79
Diluted Shares Outstanding	89	89	88	77	78	79
Shares Change (YoY)	-0.44%	0.96%	14.35%	-1.14%	-1.09%	-0.94%
EPS (Basic)	0.09	0.77	0.85	1.42	1.48	0.60
EPS (Diluted)	0.09	0.77	0.85	1.42	1.48	0.60
EPS Growth	-88.55%	-9.41%	-40.14%	-4.05%	146.67%	-45.45%
Dividend Per Share	0.135	0.540	0.540	0.530	0.480	0.460
Dividend Growth	-75.00%	-	1.89%	10.42%	4.35%	4.54%
Effective Tax Rate	-	25.06%	20.14%	21.58%	25.33%	23.27%

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