Live Oak Bancshares Inc
NYSE:LOB
Income Statement
Income Statement
Live Oak Bancshares Inc
| Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
15
|
17
|
19
|
21
|
26
|
29
|
34
|
39
|
43
|
50
|
58
|
67
|
78
|
87
|
96
|
102
|
108
|
114
|
121
|
131
|
140
|
150
|
157
|
171
|
195
|
225
|
255
|
282
|
297
|
305
|
313
|
319
|
328
|
332
|
336
|
342
|
345
|
353
|
360
|
368
|
376
|
386
|
404
|
423
|
448
|
|
| Interest Income |
21
|
23
|
26
|
30
|
35
|
39
|
45
|
51
|
57
|
66
|
77
|
90
|
104
|
118
|
135
|
148
|
163
|
178
|
192
|
211
|
228
|
242
|
253
|
267
|
288
|
313
|
334
|
352
|
361
|
366
|
377
|
400
|
445
|
503
|
574
|
638
|
688
|
729
|
758
|
786
|
812
|
833
|
859
|
881
|
908
|
|
| Interest Expense |
6
|
7
|
7
|
8
|
9
|
10
|
11
|
12
|
15
|
17
|
19
|
22
|
25
|
31
|
39
|
46
|
55
|
63
|
71
|
80
|
88
|
92
|
97
|
97
|
94
|
89
|
79
|
71
|
64
|
61
|
64
|
81
|
117
|
171
|
237
|
297
|
343
|
376
|
398
|
418
|
436
|
447
|
455
|
459
|
460
|
|
| Non Interest Income |
60
|
72
|
75
|
76
|
84
|
83
|
84
|
92
|
94
|
97
|
104
|
104
|
173
|
178
|
182
|
181
|
96
|
79
|
63
|
57
|
64
|
56
|
64
|
92
|
86
|
111
|
159
|
137
|
160
|
162
|
220
|
253
|
238
|
225
|
121
|
101
|
112
|
118
|
128
|
123
|
124
|
123
|
124
|
121
|
129
|
|
| Revenue |
75
N/A
|
89
+19%
|
94
+5%
|
98
+4%
|
110
+13%
|
112
+2%
|
118
+5%
|
130
+11%
|
136
+5%
|
146
+7%
|
162
+11%
|
171
+6%
|
251
+46%
|
265
+6%
|
277
+5%
|
283
+2%
|
204
-28%
|
193
-6%
|
184
-5%
|
188
+2%
|
204
+8%
|
206
+1%
|
221
+7%
|
263
+19%
|
281
+7%
|
336
+20%
|
414
+23%
|
419
+1%
|
457
+9%
|
467
+2%
|
533
+14%
|
572
+7%
|
566
-1%
|
557
-2%
|
457
-18%
|
442
-3%
|
457
+3%
|
472
+3%
|
489
+4%
|
491
+1%
|
500
+2%
|
510
+2%
|
528
+4%
|
544
+3%
|
578
+6%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(3)
|
(4)
|
(3)
|
(4)
|
(4)
|
(4)
|
(8)
|
(10)
|
(13)
|
(13)
|
(11)
|
(9)
|
(10)
|
(13)
|
(13)
|
(10)
|
(6)
|
(4)
|
(6)
|
(13)
|
(15)
|
0
|
0
|
0
|
0
|
1
|
(7)
|
(11)
|
(15)
|
(18)
|
(15)
|
(25)
|
(41)
|
(58)
|
(66)
|
(62)
|
(51)
|
(49)
|
(47)
|
(72)
|
(96)
|
(109)
|
(120)
|
(108)
|
(96)
|
|
| Non Interest Expense |
(55)
|
(55)
|
(60)
|
(65)
|
(72)
|
(79)
|
(87)
|
(96)
|
(106)
|
(118)
|
(126)
|
(135)
|
(143)
|
(148)
|
(156)
|
(161)
|
(153)
|
(153)
|
(152)
|
(153)
|
(165)
|
(188)
|
(207)
|
(217)
|
(233)
|
(230)
|
(230)
|
(233)
|
(231)
|
(239)
|
(262)
|
(289)
|
(314)
|
(328)
|
(323)
|
(314)
|
(323)
|
(322)
|
(323)
|
(326)
|
(314)
|
(321)
|
(332)
|
(342)
|
(339)
|
|
| Pre-Tax Income |
17
N/A
|
31
+75%
|
31
N/A
|
29
-5%
|
34
+19%
|
29
-16%
|
23
-21%
|
24
+4%
|
17
-28%
|
16
-6%
|
26
+59%
|
27
+7%
|
98
+259%
|
104
+6%
|
109
+4%
|
112
+3%
|
46
-59%
|
36
-22%
|
27
-25%
|
22
-18%
|
24
+6%
|
5
-77%
|
5
-6%
|
44
+769%
|
47
+7%
|
106
+124%
|
177
+67%
|
175
-1%
|
211
+20%
|
210
0%
|
256
+22%
|
257
+0%
|
210
-18%
|
171
-19%
|
68
-60%
|
66
-2%
|
83
+25%
|
101
+22%
|
118
+17%
|
93
-21%
|
89
-5%
|
80
-10%
|
75
-6%
|
94
+25%
|
143
+52%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(7)
|
(13)
|
(16)
|
(12)
|
(14)
|
(12)
|
(10)
|
(10)
|
(3)
|
(1)
|
(1)
|
7
|
(17)
|
(16)
|
(16)
|
(18)
|
6
|
6
|
6
|
(0)
|
(5)
|
(1)
|
(2)
|
(11)
|
8
|
0
|
(11)
|
(9)
|
(44)
|
(48)
|
(61)
|
(53)
|
(34)
|
(29)
|
(5)
|
(7)
|
(9)
|
(0)
|
(8)
|
(10)
|
(12)
|
(21)
|
(19)
|
(25)
|
(37)
|
|
| Income from Continuing Operations |
10
|
18
|
15
|
17
|
21
|
17
|
13
|
14
|
14
|
15
|
25
|
34
|
82
|
88
|
93
|
94
|
52
|
42
|
32
|
22
|
18
|
4
|
3
|
33
|
56
|
107
|
166
|
166
|
167
|
162
|
195
|
205
|
176
|
142
|
63
|
60
|
74
|
101
|
111
|
84
|
77
|
59
|
56
|
69
|
106
|
|
| Income to Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Net Income (Common) |
10
N/A
|
18
+78%
|
15
-16%
|
17
+15%
|
21
+19%
|
17
-17%
|
13
-22%
|
14
+4%
|
14
-1%
|
15
+10%
|
25
+64%
|
34
+38%
|
101
+193%
|
107
+6%
|
111
+4%
|
113
+1%
|
51
-54%
|
42
-19%
|
32
-23%
|
22
-32%
|
18
-17%
|
8
-56%
|
7
-14%
|
37
+433%
|
60
+62%
|
107
+79%
|
166
+56%
|
166
N/A
|
167
+0%
|
162
-3%
|
195
+21%
|
205
+5%
|
176
-14%
|
142
-19%
|
63
-56%
|
60
-5%
|
74
+24%
|
101
+37%
|
111
+9%
|
84
-24%
|
77
-7%
|
60
-23%
|
56
-6%
|
69
+22%
|
103
+50%
|
|
| EPS (Diluted) |
0.41
N/A
|
0.54
+32%
|
0.5
-7%
|
0.51
+2%
|
0.65
+27%
|
0.51
-22%
|
0.38
-25%
|
0.39
+3%
|
0.39
N/A
|
0.43
+10%
|
0.7
+63%
|
0.88
+26%
|
2.65
+201%
|
2.58
-3%
|
2.67
+3%
|
2.7
+1%
|
1.25
-54%
|
1
-20%
|
0.78
-22%
|
0.53
-32%
|
0.44
-17%
|
0.19
-57%
|
0.16
-16%
|
0.88
+450%
|
1.42
+61%
|
2.38
+68%
|
3.68
+55%
|
3.69
+0%
|
3.71
+1%
|
3.58
-4%
|
4.36
+22%
|
4.65
+7%
|
3.92
-16%
|
3.15
-20%
|
1.39
-56%
|
1.32
-5%
|
1.64
+24%
|
2.23
+36%
|
2.43
+9%
|
1.84
-24%
|
1.69
-8%
|
1.3
-23%
|
1.22
-6%
|
1.49
+22%
|
2.23
+50%
|
|