NBC Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	20.12	19.88	17.52	14.15	13.46
Interest Income on Investments	2.64	2.75	3.01	2.29	2.35
Total Interest Income	22.75	22.62	20.52	16.43	15.81
Interest Paid on Borrowings	10	10.32	7.59	1.86	0.78
Total Interest Expense	10	10.32	7.59	1.86	0.78
Net Interest Income	12.75	12.3	12.94	14.57	15.03
Net Interest Income Growth (YoY)	3.70%	-4.96%	-11.21%	-3.03%	-
Gain (Loss) on Sale of Investments	-	-	-0.6	-	-0.03
Other Non-Interest Income	1.31	1.43	1	1.2	0.11
Total Non-Interest Income	1.81	1.84	0.81	1.67	1.37
Non-Interest Income Growth (YoY)	-1.78%	127.79%	-51.48%	21.47%	-
Revenues Before Loan Losses	14.56	14.14	13.75	16.24	16.4
Provision for Loan Losses	-0.35	0.1	0.26	0.25	0.83
Revenue	14.91	14.04	13.49	15.99	15.57
Revenue Growth (YoY)	6.22%	4.09%	-15.64%	2.66%	-
Salaries and Employee Benefits	6.98	6.65	6.7	6.48	5.86
Occupancy Expenses	1.44	-	-	-	-
Selling, General & Administrative	1.81	3.37	3.28	3.1	2.54
Other Non-Interest Expense	3.38	2.61	2.6	2.09	2.25
Total Non-Interest Expense	13.61	12.63	12.58	11.68	10.69
EBT Excluding Unusual Items	1.3	1.4	0.9	4.31	4.88
Pretax Income	1.3	1.4	0.9	4.31	4.88
Income Tax Expense	0.22	0.19	0.04	0.78	0.75
Net Income	1.08	1.22	0.86	3.52	4.13
Net Income to Common	1.08	1.22	0.86	3.52	4.13
Net Income Growth	-11.51%	40.80%	-75.48%	-14.68%	-
Basic Shares Outstanding	-	0	0	0	0
Diluted Shares Outstanding	-	0	0	0	0
EPS (Basic)	-	2.57	1.83	7.44	8.72
EPS (Diluted)	-	2.57	1.83	7.44	8.72
EPS Growth	-	40.80%	-75.48%	-14.68%	-
Effective Tax Rate	17.21%	13.38%	4.53%	18.20%	15.45%

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