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Income Statement · Annual · Millions · USD

Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	102	122	148	180	211	222	308	510	552	551
Total revenues	132	–	–	9	7	8	86	99	117	141
Net interest income	90	107	121	141	195	211	249	354	376	376
Cost of revenue	1	0	0	0	–	–	–	–	–	–
Provision for credit losses	3	3	4	4	6	3	6	18	38	178
Gross profit	131	–	–	9	–	–	–	–	–	–
Realized investment gains (losses)	3	2	0	–	–	(0)	(0)	(0)	(0)	–
Net interest income after provision	87	104	117	137	189	208	242	336	338	198
Non-interest income	42	92	154	104	85	105	106	112	158	328
Compensation and benefits	82	76	80	94	102	106	105	121	132	143
Impairment of real estate	–	–	0	–	–	–	–	1	–	–
Non-interest expense	199	155	151	169	165	168	170	191	203	223
Interest expense	12	15	27	38	16	11	59	155	175	176
Income before taxes	(69)	40	120	72	108	144	178	257	292	303
Income tax expense	(13)	23	32	21	28	34	48	64	75	75
Net income from continuing operations	(57)	17	88	51	81	110	130	192	218	228
Net income	(96)	22	89	52	80	111	130	192	218	228
Net income to common shareholders	(96)	22	89	52	80	111	130	192	218	–