HBT Financial Results Presentation Deck
Non-GAAP Reconciliations (cont'd)
Efficiency Ratio (tax-equivalent basis)
($000)
Total noninterest expense
Less: amortization of intangible assets
Noninterest expense excluding amortization of intangible assets
Net interest income
Total noninterest income
Operating revenue
Tax-equivalent adjustment
Operating revenue (tax-equivalent basis)
Efficiency ratio
Efficiency ratio (tax-equivalent basis)
HBT
Financial
30
$
2020
91,956
(1,232)
90,724
117,605 $ 122,403
34,456
152,061
1,943
154,004 $
37,328
159,731
2,028
161,759
59.66 %
58.91 %
2021
$
91,246
(1,054)
90,192
56.46 %
55.76 %
$
$
2022
105,107 $
(873)
104,234
145,874
34,717
180,591
2,499
183,090 $
57.72 %
56.93 %
$
2023
130,964
(2,670)
128,294
191,072
36,046
227,118
2,758
229,876
56.49 %
55.81 %View entire presentation