Live Oak Bancshares, Inc.

LOB · XNYS

CIK 1462120fmd_15EZQY1N070PC9PC1CCJXXSE2JFinance, Insurance and Real Estate · State Commercial BanksTemplate: Financials

Coverage: Jan 01, 2013 to Sep 30, 2026, 51 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	57	103	163	228	288	361	444	688	812	908
Total revenues	136	251	204	204	281	457	565	449	489	578
Rental revenue	–	2	8	9	10	10	10	10	9	10
Net interest income	43	78	108	140	195	297	328	345	376	448
Provision for credit losses	13	10	6	15	41	15	41	51	96	96
Net interest income after provision	30	68	102	125	154	282	287	294	280	352
Non-interest income	94	173	96	64	86	160	238	104	113	129
Compensation and benefits	63	75	77	91	113	125	171	169	175	189
Impairment of real estate	–	–	–	–	0	1	0	0	0	–
Non-interest expense	106	143	153	165	193	231	314	315	303	339
Interest expense	15	25	55	88	94	64	117	343	436	460
Income before taxes	17	98	46	23	47	211	210	83	89	143
Income tax expense	3	(2)	(5)	5	(12)	44	34	9	12	37
Net income from continuing operations	14	100	51	18	60	167	176	74	77	106
Net income	14	100	51	18	60	167	176	74	77	106
Net income to common shareholders	14	100	51	18	60	167	176	74	77	103