Pioneer Bancorp, Inc. (PBFS)

Heartland Financial USA Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	89.73	83.55	72.38	55.23	39.56	42.39
Interest Income on Investments	14.12	14.12	15.94	15.8	4.29	1.53
Total Interest Income	103.85	97.66	88.32	71.03	43.84	43.93
Interest Paid on Deposits	27.97	25.95	20.67	4.62	1.37	2.03
Interest Paid on Borrowings	0.78	0.78	1.13	0.87	0.1	0.08
Total Interest Expense	28.74	26.72	21.8	5.49	1.46	2.11
Net Interest Income	75.1	70.94	66.51	65.54	42.38	41.82
Net Interest Income Growth (YoY)	12.91%	6.66%	1.48%	54.66%	1.34%	-14.29%
Gain (Loss) on Sale of Assets	-	-	-	-	0.28	0.01
Gain (Loss) on Sale of Investments	0.33	0.33	-4.91	0.37	0	1.82
Other Non-Interest Income	17.9	17.29	15.29	13.77	13.8	13.92
Total Non-Interest Income	18.23	17.62	10.38	14.15	14.07	15.75
Non-Interest Income Growth (YoY)	75.60%	69.73%	-26.63%	0.53%	-10.64%	0.43%
Revenues Before Loan Losses	93.33	88.56	76.89	79.69	56.45	57.57
Provision for Loan Losses	1.96	0.44	2.7	-	-0.55	4.05
Revenue	91.37	88.12	74.19	79.69	57	53.52
Revenue Growth (YoY)	23.15%	18.77%	-6.90%	39.80%	6.51%	-7.22%
Salaries and Employee Benefits	29.85	29.85	28.6	26.91	25.27	25.8
Occupancy Expenses	8.94	8.94	6.57	6.42	6.17	5.75
Federal Deposit Insurance	0.95	0.95	1.09	0.86	0.77	1.44
Selling, General & Administrative	15.47	15.47	17.87	11.46	9.78	9.24
Other Non-Interest Expense	6.86	8.08	6.61	6.18	5.51	4.13
Total Non-Interest Expense	62.08	63.3	60.73	51.83	47.49	46.36
EBT Excluding Unusual Items	29.29	24.82	13.46	27.86	9.51	7.16
Legal Settlements	-	-	5.95	-	-1.2	-4.5
Other Unusual Items	-	-	-	-	5.03	-
Pretax Income	29.29	24.82	19.41	27.86	13.34	2.66
Income Tax Expense	6.53	5.62	4.15	5.91	3.06	1.58
Net Income	22.77	19.2	15.26	21.95	10.28	1.08
Net Income to Common	22.77	19.2	15.26	21.95	10.28	1.08
Net Income Growth	-	25.82%	-30.47%	113.52%	854.41%	-79.28%
Basic Shares Outstanding	25	25	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25	25
Shares Change (YoY)	-1.20%	-0.50%	0.21%	0.15%	0.25%	0.22%
EPS (Basic)	0.92	0.77	0.61	0.87	0.41	0.04
EPS (Diluted)	0.91	0.76	0.61	0.87	0.41	0.04
EPS Growth	50.26%	25.47%	-30.38%	112.71%	922.53%	-80.75%
Effective Tax Rate	22.28%	22.65%	21.38%	21.21%	22.93%	59.51%

Updated Jan 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q