Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (EPA:CAT31)

Beacon Roofing Supply Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	474.68	415.91	242.8	219.31	212.82
Interest Income on Investments	35.97	30.99	29.84	19.19	4.95
Total Interest Income	510.65	446.9	272.64	238.5	217.76
Interest Paid on Deposits	390.05	326.01	105.2	92.54	94.44
Net Interest Income	120.61	120.89	167.43	145.96	123.32
Net Interest Income Growth (YoY)	-0.23%	-27.80%	14.71%	18.36%	14.67%
Gain (Loss) on Sale of Assets	-0.05	-0.05	0.23	1.18	-0.55
Gain (Loss) on Sale of Investments	-	-	-0.08	0.33	-
Other Non-Interest Income	144.57	129.44	110.26	118.58	116.57
Total Non-Interest Income	144.52	129.39	110.41	120.09	116.01
Non-Interest Income Growth (YoY)	11.69%	17.20%	-8.06%	3.51%	-25.28%
Revenues Before Loan Losses	265.13	250.28	277.84	266.04	239.33
Provision for Loan Losses	14.47	8.1	23.32	1.82	9.11
Revenue	250.65	242.18	254.52	264.23	230.23
Revenue Growth (YoY)	3.50%	-4.85%	-3.67%	14.77%	-11.15%
Occupancy Expenses	11.41	11.56	12.01	12.7	13.51
Other Non-Interest Expense	171	168.89	163.97	159.99	161.68
Total Non-Interest Expense	176.19	175.41	175.98	172.69	175.19
EBT Excluding Unusual Items	74.46	66.76	78.54	91.53	55.04
Asset Writedown	0.04	0.02	0.33	-0.21	0.08
Pretax Income	74.51	66.78	78.87	91.32	52.03
Income Tax Expense	8.03	7.47	12.25	21.38	16.6
Earnings From Continuing Operations	66.48	59.3	66.62	69.94	35.43
Minority Interest in Earnings	-0	-	-	-	-
Net Income	66.48	59.3	66.62	69.94	35.43
Net Income to Common	66.48	59.3	66.62	69.94	35.43
Net Income Growth	12.10%	-10.99%	-4.74%	97.41%	-45.37%
Basic Shares Outstanding	3	5	5	5	5
Diluted Shares Outstanding	3	5	5	5	5
Shares Change (YoY)	-30.86%	0.01%	-0.28%	-	0.21%
EPS (Basic)	21.00	12.95	14.55	15.24	7.72
EPS (Diluted)	21.00	12.95	14.55	15.24	7.72
EPS Growth	62.13%	-10.99%	-4.47%	97.41%	-45.49%
Dividend Per Share	3.700	3.240	3.320	4.030	3.300
Dividend Growth	14.20%	-2.41%	-17.62%	22.12%	-24.48%
Effective Tax Rate	10.78%	11.19%	15.53%	23.42%	31.90%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.