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Income Overview
Net Income
$60,656K
EPS
$1.45
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
Total fintech fees
40,894
38,069
35,055*
35,083
Net realized and unrealized gains on commercial loans, at fair value
130
6
105
1,005
Leasing related income
1,773
1,901
1,635
1,397
Consumer fintech loan credit enhancement
-
-
-
39,790
Fintech loan credit enhancement
-
28,843
41,321*
-
Other
4,477
3,706
2,416
3,141
Total non-interest income
73,040
72,525
80,532
80,416
Loans, including fees
110,583
107,545
111,810
114,982
Taxable interest
19,924
19,920
18,147
17,354
Tax-exempt interest
156
130
97
104
Interest-earning deposits
1,386
2,196
1,971
3,954
Total interest income
132,049
129,791
132,025
136,394
Deposits
34,334
35,289
33,617
38,796
Short-term borrowings
2,949
1,381
1,998
495
Long-term borrowings
147
197
194
197
Senior debt
3,917
3,875
3,888
2,450
Subordinated debentures
236
235
249
259
Total interest expense
41,583
40,977
39,946
42,197
Net interest income
90,466
88,814
92,079
94,197
Provision for credit losses on non-consumer fintech loans
-
-
-
5,755
Provision (reversal) for credit losses on non-fintech loans
365
-1,348
2,245*
-
Provision for credit losses on consumer fintech loans
-
-
-
39,790
Provision for credit losses on fintech loans
25,766
28,843
39,016*
-
Provision (reversal) for unfunded commitments
-42
-106
-162
491
Provision for credit losses, total
26,089
27,601
41,423
-
Net interest income after provision for credit losses
64,377
61,213
50,656
49,143
Salaries and employee benefits
37,426
37,477
34,401
37,350
Depreciation
1,230
1,245
1,269
1,152
Rent and related occupancy cost
1,668
1,691
1,589
1,592
Data processing expense
1,387
1,309
1,273
1,259
Audit expense
498
641
661
617
Legal expense
1,221
1,590
1,387
1,483
Legal settlements
-
-
2,000
-
Legal settlement (reimbursement)
0
-2,000
-
-
Fdic insurance
1,106
1,251
1,383
905
Software
5,632
5,369
5,344
5,040
Insurance
1,069
1,182
1,184
1,194
Telecom and it network communications
292
284
277
304
Consulting
147
210
341
430
Other
4,800
4,777
5,084
5,078
Total non-interest expense
56,476
55,026
56,193
56,404
Income before income taxes
80,941
78,712
74,995
73,155
Income tax expense
20,285
18,643
18,703
18,228
Net income
60,656
60,069
56,292
54,927
Basic EPS
1.46
1.43
1.297
1.2
Diluted EPS
1.45
1.41
1.279
1.18
Basic Average Shares
41,461,889
42,133,301
43,404,439
45,865,172
Diluted Average Shares
41,794,160
42,594,824
44,026,501
46,518,125
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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Time Plot
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Income Statement
Loans, including fees
$110,583K
(-1.55%↓ Y/Y)
Taxable interest
$19,924K
(-11.03%↓ Y/Y)
Interest-earning deposits
$1,386K
(-83.35%↓ Y/Y)
Tax-exempt interest
$156K
(51.46%↑ Y/Y)
Total interest income
$132,049K
(-7.75%↓ Y/Y)
Total fintech fees
$40,894K
(14.73%↑ Y/Y)
something is missing
$25,766K
Other
$4,477K
(87.32%↑ Y/Y)
Leasing related income
$1,773K
(-16.80%↓ Y/Y)
Net realized and
unrealized gains on...
$130K
(-62.21%↓ Y/Y)
Net interest income
$90,466K
(-7.21%↓ Y/Y)
Total interest
expense
$41,583K
(-8.92%↓ Y/Y)
Total non-interest
income
$73,040K
(-12.78%↓ Y/Y)
Net interest income
after provision for...
$64,377K
(21.17%↑ Y/Y)
Provision for credit
losses, total
$26,089K
Provision (reversal) for
unfunded commitments
-$42K
(-111.54%↓ Y/Y)
Deposits
$34,334K
(-21.90%↓ Y/Y)
Senior debt
$3,917K
(217.68%↑ Y/Y)
Short-term borrowings
$2,949K
(58880.00%↑ Y/Y)
Subordinated debentures
$236K
(-8.17%↓ Y/Y)
Long-term borrowings
$147K
(-25.76%↓ Y/Y)
Income before income
taxes
$80,941K
(1.62%↑ Y/Y)
Total non-interest
expense
$56,476K
(-1.31%↓ Y/Y)
Provision for credit
losses on fintech loans
$25,766K
Provision (reversal) for
credit losses on...
$365K
Net income
$60,656K
(1.40%↑ Y/Y)
Income tax expense
$20,285K
(2.30%↑ Y/Y)
Salaries and employee
benefits
$37,426K
(0.79%↑ Y/Y)
Software
$5,632K
(9.49%↑ Y/Y)
Other
$4,800K
(-10.73%↓ Y/Y)
Rent and related
occupancy cost
$1,668K
(-2.85%↓ Y/Y)
Data processing
expense
$1,387K
(13.04%↑ Y/Y)
Depreciation
$1,230K
(9.33%↑ Y/Y)
Legal expense
$1,221K
(-34.46%↓ Y/Y)
Fdic insurance
$1,106K
(-7.99%↓ Y/Y)
Insurance
$1,069K
(-6.64%↓ Y/Y)
Audit expense
$498K
(-8.62%↓ Y/Y)
Telecom and it network
communications
$292K
(-5.19%↓ Y/Y)
Consulting
$147K
(-66.28%↓ Y/Y)
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Bancorp, Inc. (TBBK)
Bancorp, Inc. (TBBK)