NECB Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	100.92	102.79	97.19	63.88	43.3	39
Net Interest Income Growth	-0.61%	5.76%	52.16%	47.51%	11.03%	-
Non-Interest Income	2.88	3	3.16	4.83	3.13	1.94
Non-Interest Income Growth	15.10%	-4.88%	-34.67%	54.18%	61.69%	-
Revenues Before Loan Losses	103.8	105.79	100.35	68.7	46.44	40.94
Provision for Credit Losses	1.37	0.74	0.97	0.44	3.61	0.81
Revenue	102.44	105.05	99.37	68.27	42.83	40.12
Revenue Growth (YoY)	-1.58%	5.71%	45.57%	59.40%	6.73%	-
Compensation Expenses	21.92	20.94	18.84	15.55	15	13.81
Selling, General & Admin	6.68	6.32	5.86	5.42	4.76	4.62
Other Non-Interest Expenses	11.95	11.38	10	9.42	6.58	6.49
Total Non-Interest Expense	41.01	39.06	35.22	30.69	26.47	25.09
Pretax Income	62.14	65.77	64.74	34.43	15.57	15.61
Provision for Income Taxes	17.96	19.12	18.99	9.89	3.81	3.45
Net Income	44.64	47.07	46.28	24.84	11.91	12.33
Net Income to Common	44.64	47.07	46.28	24.84	11.91	12.33
Net Income Growth	-7.23%	1.72%	86.27%	108.68%	-3.44%	-
Shares Outstanding (Basic)	13	13	14	15	16	16
Shares Outstanding (Diluted)	14	13	14	16	16	16
Shares Change (YoY)	-0.40%	-4.14%	-11.38%	-0.81%	-1.83%	-
EPS (Basic)	3.39	3.58	3.32	1.61	0.75	0.76
EPS (Diluted)	3.29	3.52	3.32	1.58	0.75	0.76
EPS Growth	-7.06%	6.02%	110.13%	110.67%	-1.32%	-
Free Cash Flow	49.77	48.17	42.21	24.24	15.11	14.4
Free Cash Flow Growth	3.33%	14.12%	74.17%	60.44%	4.89%	-
Free Cash Flow Per Share	3.68	3.61	3.03	1.54	0.95	0.89
Dividends Per Share	0.700	0.500	0.240	0.240	0.210	0.090
Dividend Growth	40.00%	108.33%	-	14.29%	134.38%	-
Profit Margin	43.58%	44.81%	46.57%	36.39%	27.80%	30.73%
FCF Margin	48.59%	45.85%	42.47%	35.50%	35.27%	35.89%
EBITDA	1.19	1.19	1.22	1.25	1.12	1.07
EBITDA Margin	1.16%	1.13%	1.23%	1.83%	2.61%	2.66%
Effective Tax Rate	28.90%	29.07%	29.33%	28.71%	24.45%	22.10%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q