ACCESSbank Annual Report 2023

INCOME STATEMENT (AMOUNTS IN MILLIONS)

2023

2022

2021

Interest and Dividend Income

$ 44.6

$ 32.4

$ 25.0

Interest Expense

(16.0)

(2.7)

(1.6)

Net Interest Income

28.6

29.7

23.4

Provision for Loan Losses

(0.2)

(0.7)

(0.7)

Non-Interest Income

7.5

8.4

13.6

Non-Interest Expense

(23.5)

(23.1)

(22.8)

Income Before Taxes

12.4

14.3

13.5

Provision for Income Taxes

(2.7)

(3.1)

(2.9)

Net Income

$ 9.7

$ 11.2

$ 10.6

ACCESSBANK HISTORICAL RESULTS (AMOUNTS IN MILLIONS)

$719.1

$758.7

$12.4

10.22%

2023

2023

2023

2023

$844.5

$14.3

12.47%

$559.7 $635.1

2022

2022

2022

2022

$13.5

11.99%

$808.5

2021

2021

2021

2021

PRE-TAX EARNINGS

RETURN ON AVG. EQUITY (ROAE)

GROSS LOANS

TOTAL DEPOSITS

ACCESSbank 2023 ANNUAL REPORT | 5

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