← PCB BANCORP
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total interest income | $65.3m |
$83.7m
+28.24%
|
$92.9m
+11.05%
|
$79.8m
-14.18%
|
$81.5m
+2.15%
|
$101.8m
+24.89%
|
$151.2m
+48.58%
|
$180.8m
+19.61%
|
$197.5m
+9.25%
|
— | |
| Total noninterest income | $13.9m | $10.5m | $11.9m | $11.7m | $18.4m | $14.5m | $10.7m | $11.1m | $11.8m | — | |
| Net interest income | $55.2m |
$65.7m
+19.17%
|
$69.0m
+5.00%
|
$66.2m
-4.12%
|
$77.1m
+16.54%
|
$89.6m
+16.20%
|
$88.5m
-1.26%
|
$88.6m
+0.13%
|
$103.9m
+17.22%
|
$107.9m
+3.88%
|
|
| Net interest income after provision (reversal) for credit losses | $53.3m |
$64.5m
+20.95%
|
$64.8m
+0.43%
|
$53.0m
-18.25%
|
$81.7m
+54.30%
|
$86.0m
+5.26%
|
$88.6m
+3.03%
|
$85.2m
-3.86%
|
$99.8m
+17.17%
|
$107.9m
+8.07%
|
|
| Salaries and employee benefits | $22.8m | $24.5m | $26.1m | $26.1m | $28.0m | $33.1m | $34.6m | $35.7m | $36.6m | — | |
| Total noninterest expense | $35.9m | $40.2m | $42.3m | $41.7m | $43.2m | $51.1m | $56.1m | $60.0m | $59.2m | — | |
| Total interest expense | $10.1m | $18.0m | $23.9m | $13.6m | $4.3m | $12.1m | $62.7m | $92.2m | $93.7m | — | |
| Gain on sale of loans | $9.0m | $5.6m | $6.0m | $6.5m | $12.9m | $8.0m | $3.6m | $3.8m | $4.6m | $4.9m | |
| Other income | $1.1m | $1.2m | $1.2m | $1.2m | $1.4m | $1.5m | $1.6m | $1.5m | $1.7m | — | |
| Other expenses | $2.9m | $3.9m | $3.7m | $3.3m | $3.1m | $4.2m | $4.7m | $6.3m | $4.8m | — | |
| Income before income taxes | $31.3m | $34.7m | $34.4m | $23.0m | $57.0m | $49.4m | $43.3m | $36.3m | $52.5m | $58.6m | |
| Income tax expense | $14.9m | $10.4m | $10.2m | $6.8m | $16.9m | $14.4m | $12.6m | $10.5m | $15.0m | $16.8m | |
| Net income | $16.4m |
$24.3m
+48.15%
|
$24.1m
-0.79%
|
$16.2m
-32.91%
|
$40.1m
+147.93%
|
$35.0m
-12.76%
|
$30.7m
-12.24%
|
$25.8m
-15.94%
|
$37.5m
+45.11%
|
$41.2m
+9.93%
|
|
| Net income available to common shareholders | $16.4m | $24.3m | $24.1m | $16.2m | $40.1m | $35.0m | $30.7m | $25.0m | $37.2m | $41.2m | |
| Preferred stock dividends | — | — | — | — | — | $0 | $0 | $834k | $300k | $346k | |
| Earnings per common share, basic (in dollars per share) | $1.22 | $1.69 | $1.52 | $1.05 | $2.66 | $2.35 | $2.14 | $1.75 | $2.59 | — | |
| Earnings per common share, diluted (in dollars per share) | $1.21 | $1.65 | $1.49 | $1.04 | $2.62 | $2.31 | $2.12 | $1.74 | $2.58 | — | |
| Weighted-average common shares outstanding, basic (in shares) | 13.4m | 14.4m | 15.9m | 15.4m | 15.0m | 14.8m | 14.3m | 14.2m | 14.2m | — | |
| Weighted-average common shares outstanding, diluted (in shares) | 13.5m | 14.7m | 16.2m | 15.4m | 15.3m | 15.1m | 14.4m | 14.3m | 14.3m | — | |
| Loans, including fees | $61.5m | $76.8m | $85.7m | $76.5m | $79.2m | $95.1m | $136.0m | $164.3m | $180.3m | — | |
| Tax-exempt investment securities | $186k | $159k | $154k | $150k | $146k | $140k | $126k | $102k | $87k | — | |
| Taxable investment securities | $2.4m | $3.6m | $3.8m | $2.0m | $1.5m | $2.8m | $4.6m | $5.2m | $5.8m | — | |
| Other interest-earning assets | $1.1m | $3.1m | $3.3m | $1.1m | $704k | $3.8m | $10.5m | $11.2m | $11.3m | — | |
| Deposits | $9.7m | $17.3m | $23.4m | $13.0m | $4.0m | $12.0m | $62.2m | $90.5m | $92.3m | — | |
| Other borrowings | $348k | $611k | $472k | $614k | $292k | $135k | $508k | $1.7m | $1.4m | — | |
| Provision (reversal) for credit losses | — | — | — | — | ($4.6m) | $3.6m | ($132k) | $3.4m | $4.0m | — | |
| Service charges and fees on deposits | $2.2m | $2.4m | $2.6m | $2.2m | $2.4m | $2.6m | $2.6m | $1.5m | $1.5m | — | |
| Loan servicing income | $2.4m | $2.2m | $2.3m | $2.7m | $2.8m | $3.0m | $3.3m | $3.4m | $2.9m | — | |
| Bank-owned life insurance income | — | — | $0 | $0 | $108k | $706k | $753k | $949k | $1.0m | — | |
| Occupancy and equipment | $4.4m | $5.0m | $5.5m | $5.6m | $5.6m | $6.5m | $7.9m | $9.1m | $9.2m | $9.2m | |
| Professional fees | $1.8m | $2.2m | $2.7m | $2.3m | $2.2m | $2.2m | $3.1m | $3.4m | $2.8m | — | |
| Marketing and business promotion | $1.6m | $2.0m | $1.6m | $1.4m | $1.7m | $2.1m | $2.3m | $1.9m | $2.1m | — | |
| Data processing | $1.1m | $1.2m | $1.4m | $1.5m | $1.6m | $1.7m | $1.6m | $1.5m | $1.3m | — | |
| Director fees and expenses | $757k | $942k | $751k | $599k | $594k | $706k | $756k | $906k | $898k | — | |
| Regulatory assessments | $423k | $544k | $551k | $978k | $537k | $597k | $1.1m | $1.3m | $1.5m | — |