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FY2025
12 months to Dec 31, 2025
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FY2024
12 months to Dec 31, 2024
|
FY2023
12 months to Dec 31, 2023
|
FY2022
12 months to Dec 31, 2022
|
FY2021
12 months to Dec 31, 2021
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|---|---|---|---|---|---|
| INTEREST AND DIVIDEND INCOME | |||||
| Interest and fees on loans | |||||
| Interest on interest earning deposits with other banks | |||||
| Interest on investment securities | |||||
| Dividends on other investments | |||||
| Total interest income | |||||
| INTEREST EXPENSE | |||||
| Interest on deposits | |||||
| Interest on borrowed funds | |||||
| Total interest expense | |||||
| Net interest income | |||||
| PROVISION FOR LOAN LOSSES | |||||
| PROVISION FOR CREDIT LOSSES | |||||
| Net interest income/(expense) after provision for credit losses | |||||
| NONINTEREST INCOME | |||||
| Service charges and fees | |||||
| Gain on sales of loans, net | |||||
| Unrealized gain (loss) on equity securities, net | |||||
| Gain on sale of bank branch including deposits and loans, net | |||||
| Other income | |||||
| Noninterest income, excluding BaaS program income and BaaS indemnification income | |||||
| Revenue from contract with customer | |||||
| Loan Referral Fees | |||||
| BaaS program income | |||||
| BaaS indemnification income | |||||
| Total noninterest income | |||||
| NONINTEREST EXPENSE | |||||
| Salaries and employee benefits | |||||
| Occupancy | |||||
| Data processing and software licenses | |||||
| Legal and professional expenses | |||||
| Point of sale expense | |||||
| Excise taxes | |||||
| Federal Deposit Insurance Corporation ("FDIC") assessments | |||||
| Director and staff expenses | |||||
| Marketing | |||||
| Other expense | |||||
| Noninterest expense, excluding BaaS loan and BaaS fraud expense | |||||
| BaaS loan and fraud expense | |||||
| BaaS loan expense | |||||
| BaaS fraud expense | |||||
| Total baaS loan and fraud expense | |||||
| Total noninterest expense | |||||
| Income before provision for income taxes | |||||
| PROVISION FOR INCOME TAXES | |||||
| NET INCOME | |||||
| Basic earnings per common share (in usd per share) | |||||
| Diluted earnings per common share (in usd per share) | |||||
| Weighted average number of common shares outstanding: | |||||
| Basic (in shares) | |||||
| Diluted (in shares) | |||||
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