Live Oak Bancshares Inc.

NAS: LOB

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Live Oak Bancshares Inc.

Market open

--Real time quotes

May 23, 2022, 2:14 p.m.

LOB

/zigman2/quotes/210554956/composite

37.63

Change

+0.80 +2.17%

Volume

Volume 201,951

Real time quotes

/zigman2/quotes/210554956/composite

Previous close

$ 36.83

$ 37.63

Change

+0.80 +2.17%

Day low

Day high

$36.92

$38.37

52 week low

52 week high

$36.15

$99.89

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.	2017	2018	2019	2020	2021
Interest Income	103.47M	162.64M	227.98M	288.41M	361.21M
Interest and Fees on Loans	65.07M	100.9M	149.82M	211.98M	287.69M
Interest Income on Fed. Funds	-	2.18M	4.8M	276,000	22,000
Interest Income on Fed. Repos	-	-	-	-	-
Interest on Bank Deposits	-	-	-	-	-
Other Interest or Dividend Income	36M	55.14M	73.36M	76.16M	73.5M
Interest Income Growth	-	57.19%	40.17%	26.51%	25.24%
Total Interest Expense	25.44M	54.6M	87.9M	93.69M	64.43M
Interest Expense on Bank Deposits	24.22M	54.47M	87.9M	89.73M	59.74M
Other Interest Expense	1.22M	131,000	1,000	3.96M	-
Interest Expense on Debt	1.22M	131,000	1,000	3.96M	4.69M
Interest Capitalized	-	-	-	-	-
Other Borrowed Funds	-	-	-	-	-
Total Interest Expense Growth	-	114.64%	60.99%	6.58%	-31.23%

	2017	2018	2019	2020	2021	5-year trend
Net Interest Income	78.03M	108.04M	140.08M	194.72M	296.79M
Net Interest Income Growth	-	38.46%	29.65%	39.01%	52.41%
Loan Loss Provision	9.54M	13.06M	15.21M	40.66M	15.21M
Loan Loss Provision Growth	-	36.93%	16.50%	167.28%	-62.59%
Net Interest Income after Provision	68.5M	94.99M	124.87M	154.07M	281.58M
Net Interest Inc After Loan Loss Prov Growth	-	38.67%	31.46%	23.38%	82.76%
Net Interest Margin	-	-	-	-	3.86%	NA
Non-Interest Income	104.92M	103.77M	60.47M	98.87M	112.91M
Securities Gain	-	-	620,000	1.88M	-
Trading Account Income	-	-	-	-	-
Trust Income, Commissions & Fees	13.19M	12.63M	13.2M	22.99M	19.87M
Commission & Fee Income	13.19M	12.63M	11.45M	16.64M	13.49M
Other Operating Income	13.14M	15.96M	17.65M	24.52M	25.76M
Non-Interest Expense	138.83M	147.32M	153.98M	190.85M	178.79M
Labor & Related Expense	74.67M	77.41M	90.63M	112.53M	124.93M
Equipment Expense	13.67M	20.79M	24.44M	26.36M	26.37M
Other Operating Expense	40.21M	35.44M	29.88M	32.1M	55.13M
Operating Income	34.59M	51.43M	31.35M	62.08M	215.69M
Operating Income Growth	-	48.66%	-39.03%	98.00%	247.44%
Operating Income Margin	-	-	-	-	45.49%	NA
Non-Operating Income (Expense)	-	-	(7.89M)	(14.69M)	(1.72M)
Non-Operating Interest Income	-	-	-	-	-
Miscellaneous Non Operating Expense	-	-	-	-	-
Equity in Affiliates (Pretax)	-	-	(7.89M)	(14.69M)	(1.72M)
Unusual Expense	4.34M	2.68M	602,000	-	3.19M
Pretax Income	98.25M	46.05M	23.47M	47.39M	210.79M
Pretax Income Growth	-	-53.14%	-49.04%	101.96%	344.80%
Pretax Margin	-	-	-	-	44.46%	NA
Income Taxes	(2.25M)	(5.4M)	5.43M	(12.15M)	43.79M
Income Tax - Current - Domestic	(14.26M)	534,000	3.96M	5.29M	18.99M
Income Tax - Current - Foreign	-	-	-	-	-
Income Tax - Deferred - Domestic	12.02M	(5.94M)	1.47M	(17.45M)	24.81M
Income Tax - Deferred - Foreign	-	-	-	-	-
Income Tax Credits	-	-	-	-	-
Equity in Affiliates	-	-	-	-	-
Other After Tax Income (Expense)	-	-	-	-	-
Consolidated Net Income	100.5M	51.45M	18.03M	59.54M	167M
Minority Interest Expense	-	-	-	-	-
Net Income	100.5M	51.45M	18.03M	59.54M	167M
Net Income Growth	-	-48.81%	-64.95%	230.17%	180.46%
Net Margin	-	-	-	-	35.22%	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	100.5M	51.45M	18.03M	59.54M	167M
EPS (Basic)	2.75	1.28	0.45	1.46	3.87
EPS (Basic) Growth	-	-53.23%	-65.09%	226.45%	164.26%
Basic Shares Outstanding	36.59M	40.06M	40.22M	40.68M	43.17M
EPS (Diluted)	2.65	1.24	0.44	1.43	3.71
EPS (Diluted) Growth	-	-53.24%	-64.61%	224.49%	159.92%
Diluted Shares Outstanding	37.86M	41.45M	41.05M	41.77M	45.07M

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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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