Financial insights of LOB-PA

MyFinsight

Income Overview

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2024-12-31
Loans and fees on loans	214,129	195,783*	211,599	186,210*
Investment securities, taxable	13,009	11,066*	12,175	9,603*
Other interest earning assets	6,726	7,339*	7,654	7,280*
Total interest income	233,864	214,188*	231,428	203,093*
Deposits	112,847	110,615*	114,266	107,722*
Borrowings	1,617	1,670*	1,677	1,395*
Total interest expense	114,464	112,285*	115,943	109,117*
Net interest income	119,400	101,903*	115,485	93,976*
Provision for credit losses	20,100	29,577*	22,242	24,053*
Net interest income after provision for credit losses	99,300	72,326*	93,243	69,923*
Loan servicing revenue	9,094	8,466*	8,812	7,884*
Loan servicing asset revaluation	-3,487	-2,997*	-4,360	-3,039*
Net losss on sales of loans	15,425	-184*	20,868	15,225*
Net loss on loans accounted for under the fair value option	-1,165	2,266*	-350	601*
Equity method investments (loss) income	-817	21,797*	-1,470	-2,730*
Equity security investments gains, net	0	5,679*	18	138*
Lease income	2,135	3,514*	2,179	2,439*
Management fee income	NaN	0*	0	1,915*
Other noninterest income	4,889	-925*	4,917	8,513*
Total noninterest income	26,074	37,616*	30,614	30,945*
Salaries and employee benefits	49,354	30,527*	52,817	45,817*
Travel expense	1,463	-409*	2,480	2,435*
Professional services expense	2,516	4,755*	1,999	2,756*
Advertising and marketing expense	3,051	6,705*	1,839	2,787*
Occupancy expense	2,410	2,745*	2,339	2,500*
Technology expense	9,749	12,246*	10,234	8,552*
Equipment expense	3,693	4,467*	3,320	3,457*
Other loan origination and maintenance expense	5,919	4,138*	4,777	4,314*
Renewable energy tax credit investment impairment (recovery)	NaN	NaN	336	NaN
Renewable energy tax credit investment impairment	NaN	184*	NaN	133*
Fdic insurance	4,401	3,743*	3,643	2,709*
Contributions and donations	NaN	NaN	NaN	0*
Other expense	2,737	7,742*	3,501	3,103*
Total noninterest expense	85,293	76,843*	87,285	78,560*
Income before taxes	40,081	33,099*	36,572	22,309*
Income tax expense	10,134	6,854*	10,106	2,955*
Net income	29,947	26,245*	26,466	19,354
Net loss attributable to non-controlling interest	-93	-78*	-50	NaN
Net income attributable to live oak bancshares, inc	30,040	26,323*	26,516	NaN
Preferred stock dividends	2,094	186*	954	NaN
Net income attributable to common shareholders	27,946	26,137	25,562	NaN

Basic EPS	0.61	0.573	0.56	0.43
Diluted EPS	0.6	0.57	0.55	0.422
Basic Average Shares	46,138,609	45,621,934	45,780,794	45,009,567
Diluted Average Shares	46,509,040	45,868,622	46,216,958	45,820,321

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$27,946KEPS$0.6Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$27,946KEPS$0.6Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars