← Orange County Bancorp, Inc. /DE/
| Annual Trend | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|
| TOTAL INTEREST INCOME | $53.5m |
$64.4m
+20.52%
|
$84.2m
+30.72%
|
$117.8m
+39.83%
|
$127.2m
+8.03%
|
$135.0m
+6.10%
|
||
| TOTAL NONINTEREST INCOME | $11.4m | $12.1m | $12.0m | $13.4m | $16.0m | $23.1m | ||
| NET INTEREST INCOME | $48.7m |
$60.5m
+24.05%
|
$78.1m
+29.15%
|
$88.4m
+13.19%
|
$91.8m
+3.82%
|
$104.1m
+13.39%
|
$111.6m
+7.26%
|
|
| TOTAL NONINTEREST EXPENSE | $40.2m | $43.5m | $50.3m | $56.8m | $65.2m | $67.9m | ||
| TOTAL INTEREST EXPENSE | $4.7m | $4.0m | $6.1m | $29.4m | $35.5m | $30.9m | ||
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $43.3m |
$58.0m
+33.94%
|
$68.6m
+18.16%
|
$80.5m
+17.43%
|
$84.1m
+4.39%
|
$96.3m
+14.58%
|
$111.6m
+15.89%
|
|
| Gain on sale of assets | — | — | — | — | — | $1.2m | — | |
| Income before income taxes | $14.5m | $26.7m | $30.3m | $37.1m | $34.8m | $51.6m | $52.8m | |
| Provision for income taxes | $2.8m | $5.4m | $5.9m | $7.7m | $6.9m | $9.9m | — | |
| NET INCOME | $11.7m |
$21.3m
+82.27%
|
$24.4m
+14.45%
|
$29.5m
+20.99%
|
$27.9m
-5.41%
|
$41.6m
+49.25%
|
$47.4m
+13.88%
|
|
| Basic earnings per share (in dollars per share) | $2.59 | $4.28 | $4.33 | $5.24 | $2.47 | $3.33 | $3.56 | |
| Diluted earnings per share (in dollars per share) | $2.59 | $4.28 | $4.33 | $5.24 | $2.47 | $3.33 | $3.56 | |
| Weighted average shares outstanding, Basic (in shares) | 4.5m | 5.0m | 5.6m | 5.6m | 11.3m | 12.5m | — | |
| Weighted average shares outstanding, Diluted (in shares) | 4.5m | 5.0m | 5.6m | 5.6m | 11.3m | 12.5m | — | |
| Interest and fees on loans | $47.5m | $57.5m | $69.3m | $96.3m | $106.0m | $115.8m | — | |
| Taxable | $4.7m | $4.9m | $9.9m | $12.7m | $11.7m | $10.6m | — | |
| Tax exempt | $994k | $1.6m | $2.3m | $2.3m | $2.3m | $2.1m | — | |
| Interest on Federal funds sold and other | $294k | $372k | $2.7m | $6.5m | $7.2m | $6.4m | — | |
| Savings and NOW accounts | $3.4m | $2.4m | $4.1m | $13.1m | $20.5m | $21.0m | — | |
| Time deposits | $917k | $511k | $346k | $6.4m | $7.4m | $6.3m | — | |
| FHLB advances | $10k | — | $599k | $8.9m | $6.7m | $2.2m | — | |
| Subordinated notes | $246k | $919k | $923k | $922k | $921k | $1.5m | — | |
| Provision (recovery) for credit losses - investments | — | — | — | $5.0m | ($1.9m) | $0 | — | |
| Provision for credit losses - loans | — | — | $9.5m | $2.9m | $9.6m | $7.7m | — | |
| Service charges on deposit accounts | $682k | $638k | $693k | $809k | $1.0m | $1.4m | — | |
| Trust income | $4.1m | $4.8m | $4.8m | $5.1m | $5.5m | $6.6m | — | |
| Investment advisory income | $4.1m | $4.9m | $4.5m | $5.2m | $6.7m | $7.6m | — | |
| Investment securities gains(losses), net | $804k | — | — | $107k | — | ($568k) | — | |
| Earnings on bank owned life insurance | $702k | $793k | $950k | $984k | $815k | $878k | — | |
| Proceeds from bank owned life insurance benefit | — | — | — | — | — | $3.6m | — | |
| Other | $2.7m | $2.8m | $3.6m | $4.4m | $7.0m | $5.0m | — | |
| Salaries | $17.8m | $19.7m | $22.5m | $24.7m | $27.5m | $28.4m | $42.3m | |
| Employee benefits | $4.2m | $3.3m | $5.6m | $7.4m | $8.9m | $9.6m | — | |
| Occupancy expense | $3.7m | $4.1m | $4.5m | $4.8m | $4.8m | $5.1m | — | |
| Professional fees | $3.3m | $3.6m | $4.1m | $4.8m | $5.9m | $6.2m | — | |
| Directors' fees and expenses | $1.1m | $1.0m | $1.2m | $1.5m | $1.1m | $1.2m | — | |
| Computer software expense | $4.0m | $5.2m | $4.8m | $5.0m | $6.0m | $7.8m | — | |
| FDIC assessment | $910k | $1.2m | $1.4m | $1.4m | $1.3m | $1.3m | — | |
| Advertising expenses | $1.2m | $1.2m | $1.6m | $1.7m | $1.6m | $2.0m | — | |
| Advisor expenses related to trust income | $455k | $533k | $215k | $120k | $113k | $90k | — | |
| Telephone expenses | $552k | $556k | $679k | $712k | $746k | $868k | — | |
| Intangible amortization | $286k | $285k | $286k | $285k | $286k | $286k | — |