Affinity Bancshares, Inc. (FRA:5610)

Affinity Bancshares Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	44.88	41.35	35.42	30.05	31.48
Interest Income on Investments	6.13	6.62	7.28	2.09	0.97
Total Interest Income	51.01	47.97	42.7	32.13	32.45
Interest Paid on Deposits	17.78	16.46	14.09	3.23	2.68
Interest Paid on Borrowings	2.09	2.35	1.41	-0.85	0.5
Total Interest Expense	19.87	18.81	15.5	2.38	3.18
Net Interest Income	31.14	29.17	27.2	29.76	29.28
Net Interest Income Growth (YoY)	6.76%	7.24%	-8.59%	1.64%	16.44%
Gain (Loss) on Sale of Investments	-0.26	-0.39	-	-	-
Other Non-Interest Income	0.8	0.75	0.85	0.79	1.17
Total Non-Interest Income	1.92	1.88	2.47	2.4	2.68
Non-Interest Income Growth (YoY)	2.34%	-23.76%	2.66%	-10.31%	24.21%
Revenues Before Loan Losses	33.06	31.05	29.66	32.16	31.95
Provision for Loan Losses	0.13	0.44	-0.04	0.7	1.08
Revenue	32.94	30.61	29.71	31.45	30.88
Revenue Growth (YoY)	7.61%	3.04%	-5.55%	1.86%	22.06%
Salaries and Employee Benefits	12.9	11.59	10.87	11.21	9.98
Selling, General & Administrative	4.57	8.14	6.53	5.48	5.93
Other Non-Interest Expense	4.22	4.03	3.92	5.44	3.88
Total Non-Interest Expense	21.7	23.63	21.32	22.13	19.79
EBT Excluding Unusual Items	11.24	6.98	8.39	9.33	11.09
Asset Writedown	-	-	-	-	-1.18
Pretax Income	11.24	6.98	8.39	9.33	9.91
Income Tax Expense	2.91	1.54	1.94	2.19	2.34
Net Income	8.33	5.44	6.45	7.13	7.57
Net Income to Common	8.33	5.44	6.45	7.13	7.57
Net Income Growth	53.13%	-15.62%	-9.62%	-5.80%	145.24%
Basic Shares Outstanding	6	6	6	7	7
Diluted Shares Outstanding	6	7	7	7	7
Shares Change (YoY)	-1.97%	0.28%	-3.03%	-2.98%	-7.94%
EPS (Basic)	1.33	0.85	1.00	1.07	1.10
EPS (Diluted)	1.29	0.83	0.98	1.06	1.09
EPS Growth	55.42%	-15.31%	-7.55%	-2.75%	167.23%
Effective Tax Rate	25.85%	22.07%	23.13%	23.51%	23.59%

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