Northpointe Bancshares, Inc. (NPB)

Northpointe Bancshares Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022
Interest Income on Loans	274.16	237.4	156.7
Interest Income on Investments	32.6	29.99	9.42
Total Interest Income	306.75	267.38	166.12
Interest Paid on Deposits	145.56	123.91	40.06
Interest Paid on Borrowings	50.67	42.26	26.63
Total Interest Expense	196.23	166.16	66.69
Net Interest Income	110.52	101.22	99.44
Net Interest Income Growth (YoY)	-	1.79%	-
Mortgage Banking Activities	4.8	3.58	3.66
Gain (Loss) on Sale of Assets	-1.69	0.29	-5.57
Gain (Loss) on Sale of Investments	0.09	0.02	-0.17
Other Non-Interest Income	4.77	15.37	86.52
Total Non-Interest Income	64	95.07	158.12
Non-Interest Income Growth (YoY)	-	-39.88%	-
Revenues Before Loan Losses	174.53	196.29	257.56
Provision for Loan Losses	-1.03	-1.49	2.22
Revenue	175.55	197.77	255.34
Revenue Growth (YoY)	-	-22.55%	-
Salaries and Employee Benefits	77.29	104.29	159.88
Occupancy Expenses	3.81	6.22	6.64
Selling, General & Administrative	15.03	16.69	22.95
Other Non-Interest Expense	18.88	25.89	32.18
Total Non-Interest Expense	115.02	153.08	221.65
EBT Excluding Unusual Items	60.54	44.69	33.69
Pretax Income	60.54	44.69	33.69
Income Tax Expense	14.71	10.93	10.46
Net Income	45.83	33.76	23.24
Preferred Dividends & Other Adjustments	8.26	9.65	9.66
Net Income to Common	37.56	24.11	13.58
Net Income Growth	-	45.28%	-
Basic Shares Outstanding	26	26	26
Diluted Shares Outstanding	26	26	26
Shares Change (YoY)	-	-0.46%	-
EPS (Basic)	1.46	0.94	0.53
EPS (Diluted)	1.46	0.93	0.52
EPS Growth	-	78.85%	-
Dividend Per Share	0.100	0.100	0.300
Dividend Growth	-	-66.67%	-
Effective Tax Rate	24.30%	24.45%	31.03%

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