HIFS Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	189.14	187.35	177.61	156.68	132.09	109.45
Interest Income on Investments	19.68	19.48	18.29	17.58	6.94	1.04
Total Interest Income	208.82	206.83	195.9	174.26	139.03	110.49
Interest Paid on Deposits	67.54	70.58	85.18	71.43	16.88	6.87
Interest Paid on Borrowings	60.78	61.85	66.35	54.53	16.01	1.16
Total Interest Expense	128.32	132.43	151.52	125.96	32.89	8.03
Net Interest Income	80.5	74.41	44.37	48.3	106.13	102.47
Net Interest Income Growth (YoY)	56.84%	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	17.58	28.78	20.38	15.15	-21.78	11.82
Other Non-Interest Income	0.59	0.59	0.55	0.56	0.46	0.41
Total Non-Interest Income	18.78	29.95	21.48	16.3	-20.72	15.31
Non-Interest Income Growth (YoY)	11.90%	39.43%	31.75%	-	-	66.54%
Revenues Before Loan Losses	99.28	104.35	65.85	64.61	85.42	117.77
Provision for Loan Losses	1.78	1.58	0.33	1.12	4.51	3.03
Revenue	97.51	102.78	65.53	63.49	80.91	114.75
Revenue Growth (YoY)	44.27%	56.85%	3.21%	-21.53%	-29.49%	24.58%
Salaries and Employee Benefits	17.81	17.6	16.74	16.37	15.81	13.95
Occupancy Expenses	1.51	1.47	1.41	1.38	1.13	1.19
Federal Deposit Insurance	2.73	2.84	3.1	2.7	1.86	0.93
Selling, General & Administrative	8.17	8.02	7.69	7.8	7.76	6.06
Total Non-Interest Expense	30.35	30	29.01	28.26	26.59	22.08
EBT Excluding Unusual Items	67.16	72.78	36.52	35.23	54.32	92.67
Pretax Income	67.16	72.78	36.52	35.23	54.32	92.67
Income Tax Expense	16.88	18.23	8.32	8.86	16.8	25.21
Net Income	50.28	54.55	28.19	26.37	37.52	67.46
Net Income to Common	50.28	54.55	28.19	26.37	37.52	67.46
Net Income Growth	76.74%	93.51%	6.90%	-29.71%	-44.38%	32.87%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	0.40%	0.41%	0.05%	-0.41%	0.04%	0.83%
EPS (Basic)	23.04	25.01	12.95	12.26	17.49	31.51
EPS (Diluted)	22.80	24.76	12.85	12.02	17.04	30.65
EPS Growth	75.89%	92.69%	6.91%	-29.46%	-44.41%	31.83%
Dividend Per Share	2.520	2.520	2.520	2.520	2.400	2.080
Dividend Growth	-	-	-	5.00%	15.38%	17.51%
Effective Tax Rate	25.13%	25.05%	22.80%	25.15%	30.92%	27.21%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.