MetroCity Bankshares, Inc.

Annual Trend FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Revenue from contract with customer $11.5m $11.6m $9.9m $16.1m $11.7m $7.6m $8.9m $9.7m
Loans, including fees $59.1m $70.2m $79.3m $75.9m $107.9m $142.8m $181.9m $200.8m $209.5m
Other investment income $1.2m $2.2m $3.3m $1.4m $885k $4.3m $10.8m $11.8m $10.8m
Federal funds sold $214k $464k $581k $308k $5k $75k $177k $305k $559k
Deposits $7.7m $14.0m $22.0m $10.9m $3.9m $23.6m $80.6m $80.1m $72.9m
FHLB advances and other borrowings $890k $664k $287k $571k $624k $4.1m $10.7m $14.7m $17.5m
Net interest income $51.9m $58.2m $61.0m $66.1m $104.2m $119.6m $101.5m $118.1m $130.4m
Provision for loan losses $3.1m $1.2m $3.5m $6.9m ($2.8m) ($92k) $668k ($336k)
Provision for unfunded commitments $77k ($152k) $18k
Provision for credit losses $6.9m ($2.8m) ($15k) $516k ($318k)
Net interest income after provision for credit losses $48.8m $57.0m $61.0m $62.7m $97.2m $122.4m $101.5m $117.6m $130.8m
Gain on sale of residential mortgage loans $3.0m $5.7m $9.1m $2.5m $2.0m $1.9m $4.0m
Mortgage servicing income, net $8.2m $12.0m $9.3m $1.3m ($564k) ($561k) ($193k) $2.4m $2.4m
Gain on sale of SBA loans $6.3m $4.6m $5.4m $6.5m $11.0m $2.1m $3.3m $2.9m $2.3m
SBA servicing income, net $4.5m $3.1m $3.7m $6.1m $5.9m $1.8m $4.8m $4.2m $3.6m
Other income $817k $770k $778k $920k $1.4m $2.1m $2.7m $2.6m $3.3m
Salaries and employee benefits $18.0m $23.6m $24.9m $25.5m $30.1m $30.5m $29.3m $33.2m $36.7m
Occupancy and equipment $3.0m $4.1m $4.7m $5.1m $5.0m $4.9m $4.9m $5.5m $5.8m
Data processing $801k $842k $1.0m $1.1m $1.1m $1.1m $1.2m $1.3m $1.5m
Advertising $634k $613k $649k $566k $541k $606k $614k $634k $657k
Provision for income taxes $18.2m $14.7m $16.1m $12.4m $20.9m $28.6m $20.4m $22.8m $24.2m
Total interest income $60.5m $72.9m $83.2m $77.6m $108.7m $147.2m $192.8m $212.9m $220.8m
Total noninterest income $32.4m $37.6m $39.9m $27.2m $33.8m $19.2m $18.2m $23.1m $25.2m
Income before provision for income taxes $50.0m $56.0m $60.9m $48.8m $82.6m $91.2m $72.0m $87.3m $92.7m
Net income $31.9m $41.3m $44.7m $36.4m $61.7m $62.6m $51.6m $64.5m $68.5m
Basic (in dollars per share) $1.34 $1.71 $1.82 $1.42 $2.41 $2.46 $2.05 $2.55 $2.66
Diluted (in dollars per share) $1.32 $1.69 $1.81 $1.41 $2.39 $2.44 $2.02 $2.52 $2.64
Merger-related expenses $4.7m
Other expenses $8.8m $9.5m $8.7m $8.9m $11.6m $13.3m $11.7m $12.7m $13.9m
Total interest expense $8.6m $14.7m $22.2m $11.5m $4.6m $27.6m $91.3m $94.8m $90.4m
Total noninterest expense $31.2m $38.6m $40.0m $41.1m $48.4m $50.4m $47.7m $53.4m $63.3m