Financial Statements — BANR
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.44 | 0.67 | 0.48 | 0.44 | 0.48 | 0.25 | 0.21 | 0.25 | 0.28 | 0.24 | 0.82 | 1.17 | 1.99 | 2.20 | 1.47 | 1.65 |
| Net Loans & Leases | 11.55 | 11.54 | 11.53 | 11.28 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 16.34 | 16.56 | 16.44 | 16.17 | 16.19 | 15.82 | 15.52 | 15.51 | 15.58 | 15.53 | 16.36 | 16.39 | 16.78 | 16.64 | 16.18 | 16.12 |
| Total Deposits | 13.84 | 14.02 | 13.53 | 13.59 | 13.54 | 13.08 | 13.16 | 13.17 | 13.10 | 13.15 | 14.23 | 14.21 | 14.52 | 14.16 | 13.64 | 13.55 |
| Total Liabilities | 14.38 | 14.65 | 14.57 | 14.34 | 14.39 | 14.13 | 13.85 | 13.99 | 14.04 | 14.00 | 14.95 | 14.90 | 15.21 | 14.97 | 14.51 | 14.50 |
| Retained Earnings | 0.91 | 0.84 | 0.80 | 0.77 | 0.71 | 0.69 | 0.66 | 0.62 | 0.59 | 0.56 | 0.49 | 0.45 | 0.42 | 0.36 | 0.32 | 0.28 |
| Total Stockholder Equity | 1.97 | 1.91 | 1.87 | 1.83 | 1.79 | 1.69 | 1.66 | 1.52 | 1.54 | 1.53 | 1.41 | 1.49 | 1.56 | 1.67 | 1.67 | 1.62 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 197.82 | -- | 205.85 | 200.26 | 193.87 | -- | 195.84 | 189.14 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | 56.59 | 51.73 | 45.33 | 37.30 | 29.29 | 13.65 | 6.49 | 4.68 | 3.99 | 4.24 | 5.02 | 5.72 | 6.01 |
| Net Interest Income | 150.17 | 152.45 | 149.99 | 144.40 | 141.08 | 140.54 | 135.68 | 132.55 | 132.96 | 138.41 | 141.77 | 142.52 | 153.31 | 159.07 | 146.44 | 129.01 | 118.65 | 121.53 | 130.15 | 127.55 |
| Provision for Credit Losses | (0.80) | 2.44 | 2.67 | 4.80 | 3.14 | 3.00 | 1.69 | 2.37 | 0.52 | 3.51 | 2.03 | 6.76 | (0.52) | 6.44 | 6.09 | 3.14 | (7.38) | (8.13) | (8.85) | (8.10) |
| Non-interest Expense | 102.61 | 104.15 | 102.02 | 101.35 | 101.26 | 99.48 | 96.29 | 98.13 | 97.64 | 96.62 | 95.89 | 95.41 | 94.62 | 99.01 | 95.03 | 92.05 | 91.20 | 91.81 | 102.15 | 92.62 |
| Pretax Income* | 67.52 | -- | 66.03 | 56.01 | 55.79 | 67.45 | 55.76 | 49.25 | 46.39 | 42.93 | 56.51 | 48.77 | 68.49 | 63.31 | 60.91 | 59.60 | 53.85 | -- | 61.97 | 67.52 |
| Tax Provision | 12.80 | 9.84 | 12.53 | 10.51 | 10.66 | 11.70 | 10.60 | 9.45 | 8.83 | 10.69 | 10.65 | 9.18 | 12.94 | 12.04 | 11.84 | 11.63 | 9.88 | 9.52 | 12.09 | 13.14 |
| Net Income | 54.72 | -- | 53.50 | 45.50 | 45.14 | 55.75 | 45.15 | 39.80 | 37.56 | 32.24 | 45.85 | 39.59 | 55.56 | 51.27 | 49.07 | 47.97 | 43.96 | -- | 49.88 | 54.38 |
| Basic EPS | 1.61 | 1.50 | 1.55 | 1.31 | 1.31 | 1.35 | 1.31 | 1.15 | 1.09 | 1.25 | 1.33 | 1.15 | 1.62 | 1.59 | 1.43 | 1.40 | 1.28 | 1.45 | 1.45 | 1.57 |
| Diluted EPS | 1.60 | 1.49 | 1.54 | 1.31 | 1.30 | 1.34 | 1.30 | 1.15 | 1.09 | 1.24 | 1.33 | 1.15 | 1.61 | 1.58 | 1.43 | 1.39 | 1.27 | 1.43 | 1.44 | 1.56 |
* Derived from reported values
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 109.84 | 24.95 | 120.43 | 54.85 | 57.24 | 99.28 | 63.75 | 78.69 | 51.47 | 67.65 | 71.60 | 43.22 | 74.74 | 80.68 | 41.99 | 64.72 | 50.65 | (28.14) | 10.00 | (2.76) |
| Capital Expenditures | 0.42 | 3.36 | 1.76 | 2.74 | 1.66 | 3.79 | 3.33 | 4.40 | 2.23 | 3.03 | 6.12 | 3.52 | 1.98 | 2.48 | 4.83 | 4.11 | 3.31 | 4.14 | 1.16 | 2.86 |
| Free Cash Flow* | 109.42 | 21.59 | 118.67 | 52.11 | 55.58 | 95.49 | 60.43 | 74.29 | 49.24 | 64.62 | 65.48 | 39.70 | 72.75 | 78.20 | 37.16 | 60.62 | 47.35 | (32.28) | 8.84 | (5.62) |
| Investing Cash Flow | (14.33) | (6.54) | 74.39 | (230.79) | (61.79) | (66.55) | (95.30) | (271.53) | 62.21 | (80.73) | (25.62) | (10.53) | 308.81 | (79.01) | (396.90) | (690.40) | (278.24) | (195.46) | 265.91 | (256.41) |
| Financing Cash Flow | (78.91) | (268.63) | (5.30) | 217.34 | (55.36) | (9.67) | 262.89 | 231.02 | (158.86) | 15.84 | (75.60) | 5.65 | (383.62) | (580.53) | 5.99 | (191.86) | 81.68 | 157.33 | 456.75 | 77.17 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Dividends Per Share | 0.50 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.44 | 0.48 | 0.48 | 0.48 | 0.41 | 0.44 | 0.44 | 0.44 | 0.00 | 0.41 | 0.41 | 0.41 |
