Live Oak Bancshares Inc.

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Live Oak Bancshares Inc.

After Hours

--Quotes are delayed by 20 min

May 26, 2023, 7:59 p.m.

LOB

/zigman2/quotes/210554956/composite

22.92

Change

0.00 0.00%

Volume

Volume 1,412

Quotes are delayed by 20 min

/zigman2/quotes/210554956/composite

Previous close

$ 22.02

$ 22.92

Change

+0.90 +4.09%

Day low

Day high

$21.80

$23.02

52 week low

52 week high

$17.31

$43.73

Income Statement Balance Sheet Cash Flow Statement

Annual Financials for Live Oak Bancshares Inc.

View Ratios

Fiscal year is January-December. All values USD millions.	2018	2019	2020	2021	2022
Interest Income	162.64M	227.98M	288.41M	361.21M	444.47M
Interest and Fees on Loans	100.9M	149.82M	211.98M	287.69M	359.6M
Interest Income on Fed. Funds	2.18M	4.8M	276,000	22,000	2.8M
Interest Income on Fed. Repos	-	-	-	-	-
Interest on Bank Deposits	-	-	-	-	3.47M
Other Interest or Dividend Income	55.14M	73.36M	76.16M	73.5M	78.61M
Interest Income Growth	-	40.17%	26.51%	25.24%	23.05%
Total Interest Expense	54.6M	87.9M	93.69M	64.43M	116.97M
Interest Expense on Bank Deposits	54.47M	87.9M	89.73M	59.74M	115.04M
Other Interest Expense	131,000	1,000	3.96M	4.69M	1.94M
Interest Expense on Debt	131,000	1,000	3.96M	4.69M	1.94M
Interest Capitalized	-	-	-	-	-
Other Borrowed Funds	-	-	-	-	-
Total Interest Expense Growth	-	60.99%	6.58%	-31.23%	81.55%

	2018	2019	2020	2021	2022	5-year trend
Net Interest Income	108.04M	140.08M	194.72M	296.79M	327.5M
Net Interest Income Growth	-	29.65%	39.01%	52.41%	10.35%
Loan Loss Provision	13.06M	15.21M	40.66M	15.21M	40.94M
Loan Loss Provision Growth	-	16.50%	167.28%	-62.59%	169.18%
Net Interest Income after Provision	94.99M	124.87M	154.07M	281.58M	286.56M
Net Interest Inc After Loan Loss Prov Growth	-	31.46%	23.38%	82.76%	1.77%
Net Interest Margin	-	-	-	-	3.87%	NA
Non-Interest Income	103.77M	60.47M	98.87M	112.91M	89.34M
Securities Gain	-	620,000	1.88M	-	-
Trading Account Income	-	-	-	-	-
Trust Income, Commissions & Fees	12.63M	13.2M	22.99M	19.87M	18.87M
Commission & Fee Income	12.63M	11.45M	16.64M	13.49M	8.78M
Other Operating Income	15.96M	17.65M	24.52M	25.76M	27.23M
Non-Interest Expense	147.32M	153.98M	190.85M	178.79M	293.61M
Labor & Related Expense	77.41M	90.63M	112.53M	124.93M	170.82M
Equipment Expense	20.79M	24.44M	26.36M	26.37M	5.43M
Other Operating Expense	35.44M	29.88M	32.1M	55.13M	100.98M
Operating Income	51.43M	31.35M	62.08M	215.69M	82.29M
Operating Income Growth	-	-39.03%	98.00%	247.44%	-61.85%
Operating Income Margin	-	-	-	-	15.42%	NA
Non-Operating Income (Expense)	-	(7.89M)	(14.69M)	(1.72M)	144.25M
Non-Operating Interest Income	-	-	-	-	-
Miscellaneous Non Operating Expense	-	-	-	-	-
Equity in Affiliates (Pretax)	-	(7.89M)	(14.69M)	(1.72M)	144.25M
Unusual Expense	2.68M	602,000	-	3.19M	16.22M
Pretax Income	46.05M	23.47M	47.39M	210.79M	210.32M
Pretax Income Growth	-	-49.04%	101.96%	344.80%	-0.22%
Pretax Margin	-	-	-	-	39.40%	NA
Income Taxes	(5.4M)	5.43M	(12.15M)	43.79M	34.12M
Income Tax - Current - Domestic	534,000	3.96M	5.29M	18.99M	-
Income Tax - Current - Foreign	-	-	-	-	-
Income Tax - Deferred - Domestic	(5.94M)	1.47M	(17.45M)	24.81M	27.13M
Income Tax - Deferred - Foreign	-	-	-	-	-
Income Tax Credits	-	-	-	-	-
Equity in Affiliates	-	-	-	-	-
Other After Tax Income (Expense)	-	-	-	-	-
Consolidated Net Income	51.45M	18.03M	59.54M	167M	176.21M
Minority Interest Expense	-	-	-	-	-
Net Income	51.45M	18.03M	59.54M	167M	176.21M
Net Income Growth	-	-64.95%	230.17%	180.46%	5.52%
Net Margin	-	-	-	-	33.01%	NA
Extraordinaries & Discontinued Operations	-	-	-	-	-
Extra Items & Gain/Loss Sale Of Assets	-	-	-	-	-
Cumulative Effect - Accounting Chg	-	-	-	-	-
Discontinued Operations	-	-	-	-	-
Net Income After Extraordinaries	-	-	-	-	-
Preferred Dividends	-	-	-	-	-
Net Income Available to Common	51.45M	18.03M	59.54M	167M	176.21M
EPS (Basic)	1.28	0.45	1.46	3.87	4.02
EPS (Basic) Growth	-	-65.09%	226.45%	164.26%	3.85%
Basic Shares Outstanding	40.06M	40.22M	40.68M	43.17M	43.86M
EPS (Diluted)	1.24	0.44	1.43	3.71	3.92
EPS (Diluted) Growth	-	-64.61%	224.49%	159.92%	5.91%
Diluted Shares Outstanding	41.45M	41.05M	41.77M	45.07M	44.91M

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Intraday Data provided by FACTSET and subject to terms of use. Historical and current end-of-day data provided by FACTSET. All quotes are in local exchange time. Real-time last sale data for U.S. stock quotes reflect trades reported through Nasdaq only. Intraday data delayed at least 15 minutes or per exchange requirements.

Live Oak Bancshares Inc.

Annual Financials for Live Oak Bancshares Inc.

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