HBT Financial, Inc. (HBT)

HBT Financial Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	214.26	195.2	123.48	106.28	105.2	120.14
Interest Income on Investments	36.05	33.8	29.58	21.94	18.87	23.59
Total Interest Income	250.31	229	153.05	128.22	124.07	143.74
Interest Paid on Deposits	53.6	25.14	2.51	2.47	4.22	7.93
Interest Paid on Borrowings	8.18	12.79	4.67	3.35	2.24	2
Total Interest Expense	61.78	37.93	7.18	5.82	6.46	9.94
Net Interest Income	188.53	191.07	145.87	122.4	117.61	133.8
Net Interest Income Growth (YoY)	1.27%	30.98%	19.18%	4.08%	-12.10%	3.37%
Trust Income	10.73	9.88	9.16	8.38	7.24	6.83
Gain (Loss) on Sale of Assets	-0.63	0.17	0.14	-0.72	-0.07	1.24
Gain (Loss) on Sale of Investments	-3.14	-1.66	-0.41	0.11	0.03	-0.01
Other Non-Interest Income	16.65	17.78	17.62	17.32	12.29	12.78
Total Non-Interest Income	33.15	36.05	34.72	37.33	34.46	32.75
Non-Interest Income Growth (YoY)	-4.56%	3.83%	-6.99%	8.34%	5.21%	4.84%
Revenues Before Loan Losses	221.68	227.12	180.59	159.73	152.06	166.55
Provision for Loan Losses	9.34	7.57	-0.71	-8.08	10.53	3.4
Revenue	212.34	219.55	181.3	167.81	141.53	163.15
Revenue Growth (YoY)	-3.93%	21.10%	8.04%	18.57%	-13.25%	5.27%
Salaries and Employee Benefits	74.32	71.86	58.06	54.38	57.92	54.75
Federal Deposit Insurance	2.27	2.28	1.16	1.04	0.71	0.2
Amortization of Goodwill & Intangibles	2.85	2.67	0.87	1.05	1.23	1.42
Selling, General & Administrative	29.26	30.06	23.13	20.77	19.46	19.47
Other Non-Interest Expense	15.49	18.05	15.69	12.58	12.09	10.72
Total Non-Interest Expense	124.29	125.16	99.2	90.73	91.96	87.23
EBT Excluding Unusual Items	88.05	94.38	82.09	77.08	49.57	75.92
Legal Settlements	0.8	-	-13	-	-	-
Other Unusual Items	-	-	-	-	-	-3.8
Pretax Income	94.77	88.58	76.19	76.56	49.57	72.12
Income Tax Expense	24.82	22.74	19.73	20.29	12.73	5.26
Net Income	69.95	65.84	56.46	56.27	36.85	66.87
Preferred Dividends & Other Adjustments	0.01	0.04	0.07	0.1	0.09	-
Net Income to Common	69.94	65.81	56.39	56.17	36.75	66.87
Net Income Growth	15.56%	16.63%	0.33%	52.72%	-44.90%	4.81%
Basic Shares Outstanding	32	32	29	28	27	20
Diluted Shares Outstanding	32	32	29	28	27	20
Shares Change (YoY)	2.46%	9.75%	3.98%	1.29%	36.67%	11.32%
EPS (Basic)	2.21	2.08	1.95	2.02	1.34	3.33
EPS (Diluted)	2.20	2.07	1.95	2.02	1.34	3.33
EPS Growth	12.67%	6.15%	-3.47%	50.91%	-59.78%	-5.85%
Dividend Per Share	0.740	0.680	0.640	0.600	0.600	-
Dividend Growth	10.45%	6.25%	6.67%	0%	-	-
Effective Tax Rate	26.19%	25.67%	25.90%	26.50%	25.68%	7.29%

Source: S&P Capital IQ. Banks template. Financial Sources.