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Income Statement · Annual · Millions · USD

Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	174	181	228	272	267	277	356	438	467	471
Total revenues	33	37	38	40	38	44	50	50	51	53
Net interest income	168	175	215	257	258	272	346	357	331	351
Commissions and fees	1	1	1	1	1	1	1	0	0	0
Provision for credit losses	–	–	3	(2)	42	(7)	18	22	6	10
Realized investment gains (losses)	–	–	–	–	–	–	–	(0)	(3)	(3)
Net interest income after provision	174	175	213	259	215	278	328	333	325	339
Non-interest income	45	49	49	54	55	64	63	61	64	68
Gain on sale of real estate	–	0	–	–	–	–	0	0	(0)	(0)
Compensation and benefits	81	83	94	106	112	106	130	136	141	150
Non-interest expense	146	146	168	185	183	178	217	233	234	241
Interest expense	6	7	13	15	9	6	10	82	135	120
Income before taxes	73	78	93	127	87	164	174	161	155	166
Income tax expense	28	37	25	35	23	46	48	44	40	45
Net income from continuing operations	45	41	68	92	65	118	125	117	115	122
Net income	45	41	68	92	65	118	125	117	115	122