PCB Bancorp (PCB)

PCB Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	168.08	164.3	136.03	95.05	79.16	76.55
Interest Income on Investments	16.08	16.52	15.15	6.7	2.32	3.22
Total Interest Income	184.15	180.82	151.18	101.75	81.47	79.76
Interest Paid on Deposits	91.08	90.49	62.17	11.98	4.04	12.96
Interest Paid on Borrowings	1.17	1.71	0.51	0.14	0.29	0.61
Total Interest Expense	92.25	92.2	62.67	12.12	4.34	13.57
Net Interest Income	91.9	88.62	88.5	89.63	77.14	66.19
Net Interest Income Growth (YoY)	5.53%	0.13%	-1.26%	16.20%	16.54%	-4.12%
Other Non-Interest Income	5.63	5.8	5.64	5.18	4.31	3.96
Total Non-Interest Income	10.73	11.09	10.68	14.5	18.43	11.74
Non-Interest Income Growth (YoY)	1.14%	3.84%	-26.32%	-21.35%	57.02%	-1.09%
Revenues Before Loan Losses	102.63	99.71	99.19	104.13	95.57	77.93
Provision for Loan Losses	3.91	3.4	-0.13	3.6	-4.6	13.22
Revenue	98.72	96.31	99.32	100.53	100.17	64.71
Revenue Growth (YoY)	5.07%	-3.03%	-1.20%	0.36%	54.79%	-15.60%
Salaries and Employee Benefits	34.92	35.16	34.08	32.52	27.52	25.43
Occupancy Expenses	5.41	5.49	4.78	3.73	3	3
Selling, General & Administrative	11.33	11.83	11.35	10.09	9.01	8.97
Other Non-Interest Expense	6.67	7.55	5.84	4.79	3.68	4.25
Total Non-Interest Expense	58.32	60.02	56.06	51.13	43.21	41.65
EBT Excluding Unusual Items	40.4	36.29	43.26	49.4	56.96	23.06
Other Unusual Items	0.51	-	-	-	-	-0.05
Pretax Income	40.58	36.29	43.26	49.4	56.96	23.01
Income Tax Expense	11.72	10.48	12.56	14.42	16.86	6.84
Net Income	28.86	25.81	30.71	34.99	40.1	16.18
Preferred Dividends & Other Adjustments	0.97	0.88	0.1	0.16	0.16	0.04
Net Income to Common	27.89	24.93	30.61	34.83	39.95	16.14
Net Income Growth	15.01%	-15.94%	-12.24%	-12.76%	147.93%	-32.91%
Basic Shares Outstanding	14	14	14	15	15	15
Diluted Shares Outstanding	14	14	14	15	15	15
Shares Change (YoY)	0.03%	-0.52%	-4.30%	-1.24%	-1.26%	-4.47%
EPS (Basic)	1.96	1.75	2.14	2.35	2.66	1.05
EPS (Diluted)	1.94	1.74	2.12	2.31	2.62	1.04
EPS Growth	11.00%	-17.93%	-8.22%	-11.83%	151.92%	-30.20%
Dividend Per Share	0.740	0.720	0.690	0.600	0.440	0.400
Dividend Growth	2.78%	4.35%	15.00%	36.36%	10.00%	60.00%
Effective Tax Rate	28.87%	28.87%	29.03%	29.18%	29.59%	29.71%

Updated Apr 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q