Northpointe Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Interest Income on Loans	327.21	285.49	237.4	156.7
Interest Income on Investments	29.57	32.04	29.99	9.42
Total Interest Income	356.78	317.53	267.38	166.12
Interest Paid on Deposits	167.22	151.13	123.91	40.06
Interest Paid on Borrowings	52.3	52.19	42.26	26.63
Total Interest Expense	219.52	203.32	166.16	66.69
Net Interest Income	137.26	114.22	101.22	99.44
Net Interest Income Growth (YoY)	24.19%	12.84%	1.79%	-
Mortgage Banking Activities	5.55	5.42	3.58	3.66
Gain (Loss) on Sale of Assets	-	-	-	-5.57
Gain (Loss) on Sale of Investments	-	-	-	-0.17
Other Non-Interest Income	6.67	7.3	10.84	86.52
Total Non-Interest Income	79.21	71.22	95.07	158.12
Non-Interest Income Growth (YoY)	23.76%	-25.08%	-39.88%	-
Revenues Before Loan Losses	216.47	185.44	196.29	257.56
Provision for Loan Losses	2.26	-0.33	-1.49	2.22
Revenue	214.21	185.77	197.77	255.34
Revenue Growth (YoY)	22.02%	-6.07%	-22.55%	-
Salaries and Employee Benefits	82.41	77.61	104.29	159.88
Occupancy Expenses	3.05	3.35	6.19	6.64
Selling, General & Administrative	18.11	14.38	16.72	22.95
Other Non-Interest Expense	21.32	19.25	25.89	32.18
Total Non-Interest Expense	124.89	114.59	153.08	221.65
EBT Excluding Unusual Items	89.32	71.18	44.69	33.69
Other Unusual Items	3.75	1.7	-	-
Pretax Income	93.07	72.88	44.69	33.69
Income Tax Expense	22.31	17.72	10.93	10.46
Net Income	70.76	55.16	33.76	23.24
Preferred Dividends & Other Adjustments	8.69	8	9.65	9.66
Net Income to Common	62.07	47.16	24.11	13.58
Net Income Growth	54.40%	63.38%	45.28%	-
Basic Shares Outstanding	31	26	26	26
Diluted Shares Outstanding	32	26	26	26
Shares Change (YoY)	23.33%	0.10%	-0.51%	-
EPS (Basic)	1.99	1.83	0.94	0.53
EPS (Diluted)	1.95	1.83	0.93	0.52
EPS Growth	33.93%	96.77%	78.85%	-
Dividend Per Share	-	-	0.100	0.300
Dividend Growth	-	-	-66.67%	-
Effective Tax Rate	23.98%	24.31%	24.45%	31.03%

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