S&T Bancorp, Inc. (STBA)

S&T Bancorp Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	476.38	443.12	314.87	270.46	300.96
Interest Income on Investments	39.49	34.78	25.89	18.8	19.5
Total Interest Income	515.87	477.9	340.75	289.26	320.46
Interest Paid on Deposits	159.41	92.84	19.91	10.76	35.99
Interest Paid on Borrowings	21.66	35.66	5.06	2.39	5.09
Total Interest Expense	181.07	128.49	24.97	13.15	41.08
Net Interest Income	334.81	349.41	315.78	276.11	279.39
Net Interest Income Growth (YoY)	-4.18%	10.65%	14.37%	-1.17%	13.21%
Trust Income	12.26	12.19	12.72	12.89	9.96
Mortgage Banking Activities	-	1.16	2.22	9.73	10.92
Gain (Loss) on Sale of Investments	-4.44	-	0.2	0.03	0.14
Other Non-Interest Income	24.99	28.08	26.3	27	25.13
Total Non-Interest Income	49.08	57.62	58.26	64.7	59.75
Non-Interest Income Growth (YoY)	-14.82%	-1.10%	-9.95%	8.29%	19.71%
Revenues Before Loan Losses	383.89	407.03	374.04	340.81	339.13
Provision for Loan Losses	0.13	17.89	8.37	16.22	131.42
Revenue	383.76	389.14	365.68	324.59	207.71
Revenue Growth (YoY)	-1.38%	6.42%	12.66%	56.27%	-26.30%
Salaries and Employee Benefits	121.99	107.59	100.03	97.79	89.39
Occupancy Expenses	-	9.62	9.64	9.41	8.82
Federal Deposit Insurance	4.2	4.12	2.85	4.22	5.09
Selling, General & Administrative	59.99	53.73	50.8	45.85	45.37
Other Non-Interest Expense	32.76	35.28	33.42	31.66	35.66
Total Non-Interest Expense	218.94	210.33	196.75	188.93	184.33
EBT Excluding Unusual Items	164.82	178.8	168.93	135.67	23.38
Pretax Income	164.82	178.8	168.93	135.67	21.04
Income Tax Expense	33.55	34.02	33.41	25.33	-0
Net Income	131.27	144.78	135.52	110.34	21.04
Preferred Dividends & Other Adjustments	-	0.16	0.38	0.49	0.07
Net Income to Common	131.27	144.63	135.14	109.85	20.97
Net Income Growth	-9.34%	6.83%	22.82%	424.44%	-78.58%
Basic Shares Outstanding	39	38	39	39	39
Diluted Shares Outstanding	39	39	39	39	39
Shares Change (YoY)	-0.34%	-0.96%	-0.06%	-0.05%	12.67%
EPS (Basic)	3.41	3.76	3.47	2.81	0.54
EPS (Diluted)	3.41	3.74	3.46	2.81	0.53
EPS Growth	-8.89%	8.09%	23.13%	430.19%	-81.21%
Dividend Per Share	1.340	1.300	1.230	1.140	1.120
Dividend Growth	3.08%	5.69%	7.89%	1.79%	1.82%
Effective Tax Rate	20.36%	19.03%	19.78%	18.67%	-

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