Financial insights of NEWTO

MyFinsight

For the year ending 2025-12-31.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-12-31
Debt securities available-for-sale	924
Loans and fees on loans	146,274
Other interest earning assets	11,217
Total interest income	158,415
Deposits	41,894
Interest expense-Notes And Securitization Trusts	42,846
Interest expense-Bank And Federal Home Loan Bank Borrowings	13,790
Total interest expense	98,530
Net interest income	59,885
Provision for credit losses	38,729
Net interest income after provision for credit losses	21,156
Dividend income	3,211
Net loss on loan servicing assets	-16,692
Servicing income	22,850
Net gains on sales of loans	47,555
Net gain on residuals in securitizations	30,015
Net gain on loans under the fair value option	61,157
Technology and it support income	0
Electronic payment processing income	43,849
Other noninterest income	32,969
Total noninterest income	224,914
Salaries and employee benefits expense	84,770
Technology services expense	0
Electronic payment processing expense	17,809
Professional services expense	15,461
Other loan origination and maintenance expense	18,565
Depreciation and amortization	668
Loss on extinguishment of debt	-179
Other general and administrative costs	28,641
Total noninterest expense	166,093
Net income before taxes	79,977
Income tax expense	19,465
Net income	60,512
Dividends to preferred shareholders	2,335
Net income available to common shareholders	58,177

Basic EPS	2.21
Diluted EPS	2.18
Basic Average Shares	26,324,000
Diluted Average Shares	26,715,000