NECB 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	Sep '26 Sep 30, 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	145.8	149.62	153.9	127.49	69.99	47.9
Interest Income on Investments	3.5	4.49	6.11	5	2.01	0.51
Total Interest Income	149.29	154.12	160.01	132.49	72	48.4
Interest Paid on Deposits	45.23	49.72	55.62	34.18	7.54	4.36
Interest Paid on Borrowings	3.73	3.66	1.6	1.12	0.58	0.74
Total Interest Expense	48.96	53.38	57.22	35.3	8.13	5.1
Net Interest Income	100.33	100.74	102.79	97.19	63.88	43.3
Net Interest Income Growth	-0.24%	-2.00%	5.76%	52.16%	47.51%	11.03%
Gain (Loss) on Sale of Assets	-0.02	-0.01	0.02	-0.16	0.1	0.01
Gain (Loss) on Sale of Investments	-1.29	0.58	-0.11	0.29	-1.57	-0.39
Other Non-Interest Income	3.54	3.52	2.87	3.47	3.16	2.74
Total Non-Interest Income	2.24	4.09	2.78	3.61	1.68	2.35
Non-Interest Income Growth	-31.24%	47.07%	-22.80%	114.20%	-28.51%	-6.33%
Revenues Before Loan Losses	102.57	104.83	105.58	100.8	65.56	45.66
Provision for Loan Losses	0.52	-0.1	0.74	0.97	0.44	3.61
Revenue	102.05	104.93	104.84	99.82	65.12	42.05
Revenue Growth	-0.51%	0.09%	5.02%	53.30%	54.87%	3.31%
Salaries and Employee Benefits	19.71	19.26	17.06	15.79	14.27	14.07
Selling, General & Administrative	11.16	11.29	10.62	9.43	7	5.83
Other Non-Interest Expense	12.24	11.28	10.65	9.77	8.35	6.49
Total Non-Interest Expense	43.44	42.67	39.06	35.08	30.24	26.47
EBT Excluding Unusual Items	58.61	62.26	65.77	64.74	34.88	15.57
Pretax Income	58.61	62.26	65.77	64.74	34.43	15.57
Income Tax Expense	17.38	17.85	18.7	18.47	9.59	3.67
Net Income	41.23	44.41	47.07	46.28	24.84	11.91
Net Income to Common	41.23	44.41	47.07	46.28	24.84	11.91
Net Income Growth	-5.91%	-5.65%	1.72%	86.27%	108.68%	-3.44%
Basic Shares Outstanding	13	13	13	14	15	16
Diluted Shares Outstanding	14	14	13	14	16	16
Shares Change	-0.20%	2.25%	-4.14%	-11.38%	-0.81%	-1.83%
EPS (Basic)	3.12	3.35	3.58	3.32	1.61	0.75
EPS (Diluted)	3.03	3.25	3.52	3.32	1.58	0.75
EPS Growth	-5.69%	-7.67%	6.02%	110.13%	110.41%	-1.20%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.900	0.800	0.500	0.240	0.240	0.210
Dividend Growth	20.00%	60.00%	108.33%	0%	14.29%	134.38%
Effective Tax Rate	29.65%	28.66%	28.43%	28.52%	27.84%	23.56%

SEC Filings: 10-K · 10-Q