South Plains Financial, Inc. (SPFI) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 42.85M | 42.95M | 43.02M | 42.5M | 38.53M | 38.55M | 37.29M | 35.89M | 35.37M | 35.16M | 35.69M | 34.58M |
| NII Growth % | 11.23% | 11.42% | 15.35% | 18.43% | 8.93% | 9.63% | 4.5% | 3.78% | 3.07% | -3.19% | 1.67% | -6.8% |
| Net Interest Margin % | 0.92% | 0.96% | 0.96% | 0.97% | 0.87% | 0.91% | 0.86% | 0.85% | 0.84% | 0.84% | 0.85% | 0.83% |
| Interest Income | 62.63M | 63.42M | 64.52M | 64.14M | 59.92M | 61.32M | 61.64M | 59.21M | 58.73M | 57.24M | 56.53M | 50.82M |
| Interest Expense | 19.78M | 20.47M | 21.5M | 21.63M | 21.39M | 22.78M | 24.35M | 23.32M | 23.36M | 22.07M | 20.84M | 16.24M |
| Loan Loss Provision | 260K | 1.77M | 500K | 2.5M | 420K | 1.2M | 495K | 1.77M | 830K | 600K | -700K | 3.7M |
| Non-Interest Income | 11.29M | 10.93M | 9.53M | 12.16M | 9.17M | 11.86M | 9.13M | 11.19M | 10.01M | 7.71M | 10.54M | 8.9M |
| Non-Interest Income % | 15.28% | 14.71% | 12.87% | 15.94% | 13.27% | 16.2% | 12.91% | 15.9% | 14.57% | 11.87% | 15.71% | 14.9% |
| Total Revenue | 73.93M | 74.36M | 74.05M | 76.3M | 69.09M | 73.18M | 70.78M | 70.4M | 68.74M | 64.94M | 67.06M | 59.72M |
| Revenue Growth % | 7% | 1.6% | 4.62% | 8.38% | 0.52% | 12.69% | 5.53% | 17.89% | 21.05% | 12.79% | 10.58% | 2.51% |
| Non-Interest Expense | 35.53M | 33.02M | 31.39M | 33.54M | 31.58M | 28.49M | 31.63M | 31.06M | 30.53M | 29.16M | 29.75M | 2.29M |
| Efficiency Ratio | 48.06% | 44.41% | 42.39% | 43.96% | 45.7% | 38.93% | 44.69% | 44.11% | 44.42% | 44.9% | 44.36% | 3.83% |
| Operating Income | 18.36M | 19.09M | 20.66M | 18.63M | 15.7M | 20.72M | 14.31M | 14.25M | 14.02M | 13.11M | 17.18M | 37.49M |
| Operating Margin % | 24.84% | 25.67% | 27.9% | 24.41% | 22.73% | 28.31% | 20.21% | 20.24% | 20.39% | 20.19% | 25.61% | 62.78% |
| Operating Income Growth % | 16.93% | -7.88% | 44.41% | 30.7% | 12.02% | 58.03% | -16.71% | -61.99% | 20.47% | -18.27% | -11.55% | 88.56% |
| Pretax Income | 18.36M | 19.09M | 20.66M | 18.63M | 15.7M | 20.72M | 14.31M | 14.25M | 14.02M | 13.11M | 17.18M | 37.49M |
| Pretax Margin % | 24.84% | 25.67% | 27.9% | 24.41% | 22.73% | 28.31% | 20.21% | 20.24% | 20.39% | 20.19% | 25.61% | 62.78% |
| Income Tax | 3.82M | 3.83M | 4.34M | 4.02M | 3.41M | 4.22M | 3.09M | 3.12M | 3.14M | 2.79M | 3.68M | 7.81M |
| Effective Tax Rate % | 20.78% | 20.08% | 21.02% | 21.58% | 21.7% | 20.38% | 21.63% | 21.87% | 22.42% | 21.26% | 21.44% | 20.83% |
| Net Income | 14.54M | 15.25M | 16.32M | 14.61M | 12.29M | 16.5M | 11.21M | 11.13M | 10.87M | 10.32M | 13.49M | 29.68M |
| Net Margin % | 19.67% | 20.52% | 22.04% | 19.14% | 17.79% | 22.54% | 15.84% | 15.82% | 15.82% | 15.9% | 20.12% | 49.7% |
| Net Income Growth % | 18.31% | -7.53% | 45.54% | 31.17% | 13.06% | 59.79% | -16.91% | -62.49% | 17.63% | -18.2% | -12.71% | 86.89% |
| Net Income (Continuing) | 14.54M | 15.25M | 16.32M | 14.61M | 12.29M | 16.5M | 11.21M | 11.13M | 10.87M | 10.32M | 13.49M | 29.68M |
| EPS (Diluted) | 0.85 | 0.90 | 0.96 | 0.86 | 0.72 | 0.96 | 0.66 | 0.66 | 0.64 | 0.61 | 0.78 | 1.71 |
| EPS Growth % | 18.06% | -6.25% | 45.45% | 30.3% | 12.5% | 57.38% | -15.38% | -61.4% | 20.75% | -14.08% | -9.3% | 94.32% |
| EPS (Basic) | 0.89 | 0.94 | 1.00 | 0.90 | 0.75 | 1.01 | 0.68 | 0.68 | 0.66 | 0.63 | 0.80 | 1.74 |
| Diluted Shares Outstanding | 17.04M | 17M | 16.99M | 16.89M | 17.07M | 17.16M | 17.06M | 16.93M | 16.94M | 17.01M | 17.35M | 17.39M |