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Income Overview
Net Income
$34,701K
EPS
$0.74
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans and fees on loans
221,705
214,129
195,783*
211,599
Investment securities, taxable
13,411
13,009
11,066*
12,175
Other interest earning assets
6,601
6,726
7,339*
7,654
Total interest income
241,717
233,864
214,188*
231,428
Deposits
114,776
112,847
110,615*
114,266
Borrowings
1,603
1,617
1,670*
1,677
Total interest expense
116,379
114,464
112,285*
115,943
Net interest income
125,338
119,400
101,903*
115,485
Provision for credit losses
25,800
20,100
29,577*
22,242
Net interest income after provision for credit losses
99,538
99,300
72,326*
93,243
Loan servicing revenue
9,194
9,094
8,466*
8,812
Loan servicing asset revaluation
-4,278
-3,487
-2,997*
-4,360
Net losss on sales of loans
17,554
15,425
-184*
20,868
Net gain (loss) on loans accounted for under the fair value option
291
-1,165
2,266*
-350
Equity method investments income (loss)
74
-817
21,797*
-1,470
Equity security investments gains, net
0
0
5,679*
18
Lease income
2,238
2,135
3,514*
2,179
Management fee income
-
-
0*
0
Other noninterest income
5,734
4,889
-925*
4,917
Total noninterest income
30,807
26,074
37,616*
30,614
Salaries and employee benefits
48,776
49,354
30,527*
52,817
Travel expense
1,933
1,463
-409*
2,480
Professional services expense
2,938
2,516
4,755*
1,999
Advertising and marketing expense
2,734
3,051
6,705*
1,839
Occupancy expense
2,364
2,410
2,745*
2,339
Technology expense
9,608
9,749
12,246*
10,234
Equipment expense
3,662
3,693
4,467*
3,320
Other loan origination and maintenance expense
4,864
5,919
4,138*
4,777
Renewable energy tax credit investment impairment (recovery)
-
-
-
336
Renewable energy tax credit investment impairment
26
-
184*
-
Fdic insurance
4,788
4,401
3,743*
3,643
Other expense
2,832
2,737
7,742*
3,501
Total noninterest expense
84,525
85,293
76,843*
87,285
Income before taxes
45,820
40,081
33,099*
36,572
Income tax expense
9,116
10,134
6,854*
10,106
Net income
36,704
29,947
26,245*
26,466
Net loss attributable to non-controlling interest
-91
-93
-78*
-50
Net income attributable to live oak bancshares, inc
36,795
30,040
26,323*
26,516
Preferred stock dividends
2,094
2,094
186*
954
Net income attributable to common shareholders
34,701
27,946
26,137
25,562
Basic EPS
0.75
0.61
0.573
0.56
Diluted EPS
0.74
0.6
0.57
0.55
Basic Average Shares
46,265,757
46,138,609
45,621,934
45,780,794
Diluted Average Shares
46,594,482
46,509,040
45,868,622
46,216,958
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans and fees on loans
$221,705K
Investment securities,
taxable
$13,411K
Other interest
earning assets
$6,601K
Total interest income
$241,717K
Net interest income
$125,338K
Net losss on sales of
loans
$17,554K
Loan servicing
revenue
$9,194K
Other noninterest
income
$5,734K
Total interest
expense
$116,379K
Lease income
$2,238K
Net gain (loss) on
loans accounted for...
$291K
Equity method
investments income (loss)
$74K
Net interest income
after provision for...
$99,538K
Total noninterest
income
$30,807K
Provision for credit
losses
$25,800K
Loan servicing asset
revaluation
-$4,278K
Deposits
$114,776K
Borrowings
$1,603K
Income before taxes
$45,820K
Total noninterest
expense
$84,525K
Net income
$36,704K
Net loss
attributable to...
-$91K
Income tax expense
$9,116K
Salaries and employee
benefits
$48,776K
Technology expense
$9,608K
Other loan
origination and maintenance...
$4,864K
Fdic insurance
$4,788K
Equipment expense
$3,662K
Professional services
expense
$2,938K
Other expense
$2,832K
Advertising and marketing
expense
$2,734K
Occupancy expense
$2,364K
Travel expense
$1,933K
Renewable energy tax
credit investment...
$26K
Net income
attributable to live oak...
$36,795K
Net income
attributable to common...
$34,701K
Preferred stock dividends
$2,094K
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Live Oak Bancshares, Inc. (LOB-PA)
Live Oak Bancshares, Inc. (LOB-PA)