HBT Financial, Inc. (HBT)

HBT Financial Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	214.86	195.2	123.48	106.28	105.2
Interest Income on Investments	36.84	33.8	29.58	21.94	18.87
Total Interest Income	251.7	229	153.05	128.22	124.07
Interest Paid on Deposits	56.05	25.14	2.51	2.47	4.22
Interest Paid on Borrowings	6.8	12.79	4.67	3.35	2.24
Total Interest Expense	62.85	37.93	7.18	5.82	6.46
Net Interest Income	188.85	191.07	145.87	122.4	117.61
Net Interest Income Growth (YoY)	-1.16%	30.98%	19.18%	4.08%	-12.10%
Trust Income	10.98	9.88	9.16	8.38	7.24
Gain (Loss) on Sale of Assets	-0.64	0.17	0.14	-0.72	-0.07
Gain (Loss) on Sale of Investments	-3.76	-1.66	-0.41	0.11	0.03
Other Non-Interest Income	19.42	17.78	17.62	17.32	12.29
Total Non-Interest Income	35.57	36.05	34.72	37.33	34.46
Non-Interest Income Growth (YoY)	-1.32%	3.83%	-6.99%	8.34%	5.21%
Revenues Before Loan Losses	224.42	227.12	180.59	159.73	152.06
Provision for Loan Losses	3.03	1.65	-0.71	-8.08	10.53
Revenue	221.39	225.47	181.3	167.81	141.53
Revenue Growth (YoY)	-1.81%	24.36%	8.04%	18.57%	-13.25%
Salaries and Employee Benefits	76.44	71.86	58.06	54.38	57.92
Federal Deposit Insurance	2.25	2.28	1.16	1.04	0.71
Amortization of Goodwill & Intangibles	2.84	2.67	0.87	1.05	1.23
Selling, General & Administrative	27.79	30.06	23.13	20.77	19.46
Other Non-Interest Expense	14.58	18.05	15.69	12.58	12.09
Total Non-Interest Expense	124.01	125.16	99.2	90.73	91.96
EBT Excluding Unusual Items	97.38	100.31	82.09	77.08	49.57
Legal Settlements	-	-	-13	-	-
Pretax Income	97.38	88.58	76.19	76.56	49.57
Income Tax Expense	25.6	22.74	19.73	20.29	12.73
Net Income	71.78	65.84	56.46	56.27	36.85
Preferred Dividends & Other Adjustments	-	0.04	0.07	0.1	0.09
Net Income to Common	71.78	65.81	56.39	56.17	36.75
Net Income Growth	9.02%	16.63%	0.33%	52.72%	-44.90%
Basic Shares Outstanding	32	32	29	28	27
Diluted Shares Outstanding	32	32	29	28	27
Shares Change (YoY)	0.07%	9.75%	3.98%	1.29%	36.67%
EPS (Basic)	2.27	2.08	1.95	2.02	1.34
EPS (Diluted)	2.26	2.07	1.95	2.02	1.34
EPS Growth	9.18%	6.15%	-3.47%	50.91%	-59.78%
Dividend Per Share	0.760	0.680	0.640	0.600	0.600
Dividend Growth	11.76%	6.25%	6.67%	0%	-
Effective Tax Rate	26.29%	25.67%	25.90%	26.50%	25.68%

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