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Income Statement · Annual · Millions · USD

Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	1,077	1,437	1,935	2,331	2,022	1,777	2,032	2,592	2,619	2,627
Total revenues	960	1,126	1,361	1,672	1,811	2,027	1,823	1,809	1,849	1,984
Net interest income	891	1,129	1,413	1,623	1,480	1,395	1,489	1,562	1,481	1,502
Provision for credit losses	159	186	245	354	121	497	810	551	644	–
Realized investment gains (losses)	–	–	–	–	–	–	13	4	–	–
Net interest income after provision	732	943	1,168	1,269	1,387	1,428	855	1,217	1,072	1,169
Non-interest income	69	(3)	(52)	49	331	632	335	247	368	483
Compensation and benefits	184	213	252	278	282	258	270	327	349	346
Total operating expenses	385	449	557	574	538	519	–	–	–	–
Non-interest expense	386	449	557	574	564	520	559	686	642	659
Interest expense	186	308	522	708	542	382	543	1,030	1,138	1,125
Income before taxes	414	491	559	744	1,154	1,540	631	778	799	993
Income tax expense	164	203	72	165	273	380	162	197	190	248
Net income from continuing operations	250	289	487	578	881	1,161	469	581	608	745
Net income	250	289	487	578	881	1,161	469	581	608	745
Net income to common shareholders	229	273	472	561	871	1,156	460	564	590	729