First Capital Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	56.85	38.27	33.35	24.96	23.77
Interest Income on Investments	-	12.2	10.26	8.98	5.69
Total Interest Income	56.85	50.47	43.61	33.94	29.46
Interest Paid on Deposits	14.7	13.23	8.24	1.59	1.13
Interest Paid on Borrowings	-	1.45	0.78	-	-
Total Interest Expense	14.7	14.68	9.02	1.59	1.13
Net Interest Income	42.15	35.79	34.59	32.35	28.33
Net Interest Income Growth (YoY)	17.77%	3.48%	6.93%	14.17%	0.88%
Gain (Loss) on Sale of Investments	0.15	-0.34	-0.17	-0.41	0.34
Other Non-Interest Income	8.32	5.04	5.04	5.24	4.9
Total Non-Interest Income	8.47	7.66	7.63	7.93	9.55
Non-Interest Income Growth (YoY)	10.57%	0.31%	-3.72%	-17.00%	11.07%
Revenues Before Loan Losses	50.62	43.45	42.22	40.27	37.88
Provision for Loan Losses	1.14	1.45	1.14	0.95	-0.33
Revenue	49.47	42	41.08	39.32	38.21
Revenue Growth (YoY)	17.80%	2.23%	4.47%	2.92%	9.53%
Salaries and Employee Benefits	-	15.34	14.75	14.26	14.05
Occupancy Expenses	-	1.88	1.73	1.81	1.74
Selling, General & Administrative	-	6.47	5.67	5.52	5.35
Other Non-Interest Expense	29.56	4.14	3.88	3.5	3.39
Total Non-Interest Expense	29.56	27.83	26.03	25.09	24.53
EBT Excluding Unusual Items	19.91	14.17	15.05	14.24	13.68
Pretax Income	19.91	14.17	15.05	14.24	13.68
Income Tax Expense	3.53	2.22	2.25	2.32	2.24
Earnings From Continuing Operations	16.38	11.95	12.8	11.92	11.44
Minority Interest in Earnings	-0.01	-0.01	-0.01	-0.01	-0.01
Net Income	16.37	11.94	12.79	11.9	11.42
Net Income to Common	16.37	11.94	12.79	11.9	11.42
Net Income Growth	37.08%	-6.65%	7.46%	4.18%	12.76%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	0.06%	-0.03%	-0.23%	0.26%	-0.08%
EPS (Basic)	4.89	3.57	3.82	3.55	3.41
EPS (Diluted)	4.89	3.57	3.82	3.55	3.41
EPS Growth	37.04%	-6.59%	7.68%	4.03%	12.91%
Dividend Per Share	1.200	1.120	1.080	1.040	1.040
Dividend Growth	7.14%	3.70%	3.85%	-	8.33%
Effective Tax Rate	17.73%	15.64%	14.94%	16.30%	16.38%

Updated Jan 23, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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