Financial Institutions 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	332.99	282.2	258.58	170.82	147.9
Interest Income on Investments	-	31.03	27.55	25.29	19.31
Total Interest Income	332.99	313.23	286.13	196.11	167.21
Interest Paid on Deposits	133	140.01	107.36	22.99	8.12
Interest Paid on Borrowings	-	9.63	13.06	5.74	4.36
Total Interest Expense	133	149.64	120.42	28.74	12.48
Net Interest Income	199.99	163.59	165.72	167.37	154.73
Net Interest Income Growth (YoY)	22.25%	-1.28%	-0.99%	8.17%	11.33%
Gain (Loss) on Sale of Assets	-0.51	13.61	-0.01	-0.02	0.44
Gain (Loss) on Sale of Investments	-1.05	-100.83	-3.83	-0.83	-0.36
Gain (Loss) on Sale of Equity Investments	1.4	2.38	1.78	1.29	2.08
Other Non-Interest Income	40.02	33.3	45.1	38.71	36.22
Total Non-Interest Income	44.96	-46.68	48.24	46.27	46.91
Non-Interest Income Growth (YoY)	-	-	4.26%	-1.35%	8.64%
Revenues Before Loan Losses	244.94	116.91	213.96	213.64	201.64
Provision for Loan Losses	11.63	6.15	13.68	13.31	-8.34
Revenue	233.32	110.76	200.28	200.33	209.97
Revenue Growth (YoY)	110.65%	-44.70%	-0.03%	-4.59%	35.49%
Salaries and Employee Benefits	72.81	64.89	70.54	67.4	59.43
Occupancy Expenses	15.49	10.96	11.42	11.81	11.14
Federal Deposit Insurance	5.07	5.28	4.9	2.44	2.62
Amortization of Goodwill & Intangibles	0.42	0.55	0.91	0.99	1.06
Selling, General & Administrative	33.51	38.54	33.9	32.71	28.81
Other Non-Interest Expense	14.66	35.25	15.12	12.08	9.29
Total Non-Interest Expense	141.96	155.85	137.11	127.74	112.64
EBT Excluding Unusual Items	91.35	-45.09	63.17	72.59	97.33
Legal Settlements	-	-23.02	-	-	-
Pretax Income	91.35	-68.15	63.05	70.97	97.22
Income Tax Expense	16.49	-26.5	12.79	14.4	19.53
Net Income	74.87	-41.65	50.26	56.57	77.7
Preferred Dividends & Other Adjustments	1.46	1.46	1.46	1.46	1.46
Net Income to Common	73.41	-43.11	48.81	55.11	76.24
Net Income Growth	-	-	-11.15%	-27.19%	102.70%
Basic Shares Outstanding	20	16	15	15	16
Diluted Shares Outstanding	20	16	15	15	16
Shares Change (YoY)	29.55%	1.34%	0.03%	-2.92%	-0.78%
EPS (Basic)	3.65	-2.75	3.17	3.58	4.81
EPS (Diluted)	3.61	-2.75	3.15	3.56	4.78
EPS Growth	-	-	-11.52%	-25.52%	107.83%
Dividend Per Share	1.240	1.200	1.200	1.160	1.080
Dividend Growth	3.33%	-	3.45%	7.41%	3.85%
Effective Tax Rate	18.05%	-	20.28%	20.29%	20.08%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q