HIFS 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	187.35	177.61	156.68	132.09	109.45
Interest Income on Investments	19.48	18.29	17.58	6.94	1.04
Total Interest Income	206.83	195.9	174.26	139.03	110.49
Interest Paid on Deposits	70.58	85.18	71.43	16.88	6.87
Interest Paid on Borrowings	61.85	66.35	54.53	16.01	1.16
Total Interest Expense	132.43	151.52	125.96	32.89	8.03
Net Interest Income	74.41	44.37	48.3	106.13	102.47
Net Interest Income Growth (YoY)	67.68%	-8.13%	-54.49%	3.58%	20.26%
Gain (Loss) on Sale of Assets	-	-	0.04	-	2.34
Gain (Loss) on Sale of Investments	28.78	20.38	15.15	-21.78	11.82
Other Non-Interest Income	0.59	0.55	0.56	0.46	0.41
Total Non-Interest Income	29.95	21.48	16.3	-20.72	15.31
Non-Interest Income Growth (YoY)	39.43%	31.75%	-	-	66.54%
Revenues Before Loan Losses	104.35	65.85	64.61	85.42	117.77
Provision for Loan Losses	1.58	0.33	1.12	4.51	3.03
Revenue	102.78	65.53	63.49	80.91	114.75
Revenue Growth (YoY)	56.85%	3.21%	-21.53%	-29.49%	24.58%
Salaries and Employee Benefits	17.6	16.74	16.37	15.81	13.95
Occupancy Expenses	1.47	1.41	1.38	1.13	1.19
Federal Deposit Insurance	2.84	3.1	2.7	1.86	0.93
Selling, General & Administrative	8.02	7.69	7.8	7.76	6.06
Total Non-Interest Expense	30	29.01	28.26	26.59	22.08
EBT Excluding Unusual Items	72.78	36.52	35.23	54.32	92.67
Pretax Income	72.78	36.52	35.23	54.32	92.67
Income Tax Expense	18.23	8.32	8.86	16.8	25.21
Net Income	54.55	28.19	26.37	37.52	67.46
Net Income to Common	54.55	28.19	26.37	37.52	67.46
Net Income Growth	93.51%	6.90%	-29.71%	-44.38%	32.87%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	0.41%	0.05%	-0.41%	0.04%	0.83%
EPS (Basic)	25.01	12.95	12.26	17.49	31.51
EPS (Diluted)	24.76	12.85	12.02	17.04	30.65
EPS Growth	92.69%	6.91%	-29.46%	-44.41%	31.83%
Dividend Per Share	2.520	2.520	2.520	2.400	2.080
Dividend Growth	-	-	5.00%	15.38%	17.51%
Effective Tax Rate	25.05%	22.80%	25.15%	30.92%	27.21%

Updated Jan 16, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.