Tompkins Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	326.14	301.97	260.43	217.61	214.68	227.31
Interest Income on Investments	45.04	45.6	36.92	33.72	26.63	27.02
Total Interest Income	371.19	347.57	297.36	251.32	241.32	254.33
Interest Paid on Deposits	109.96	103.98	70.81	16.17	10.85	19.96
Interest Paid on Borrowings	24.28	32.49	17.04	4.88	6.68	9.03
Total Interest Expense	134.24	136.47	87.84	21.04	17.53	28.99
Net Interest Income	236.95	211.1	209.51	230.28	223.79	225.34
Net Interest Income Growth (YoY)	14.37%	0.76%	-9.02%	2.90%	-0.69%	6.98%
Trust Income	19.94	19.59	17.95	18.09	19.39	17.52
Gain (Loss) on Sale of Investments	-0.01	0.03	-69.97	-0.63	0.25	0.44
Other Non-Interest Income	64.71	61.22	55.35	53.15	52.87	49.59
Total Non-Interest Income	91.94	88.13	10.24	77.97	78.85	73.86
Non-Interest Income Growth (YoY)	6.72%	760.53%	-86.87%	-1.11%	6.75%	-2.08%
Revenues Before Loan Losses	328.89	299.23	219.76	308.25	302.64	299.2
Provision for Loan Losses	11.97	6.61	4.34	2.79	-2.22	17.21
Revenue	316.92	292.62	215.42	305.46	304.86	281.99
Revenue Growth (YoY)	10.67%	35.84%	-29.48%	0.20%	8.11%	-0.95%
Salaries and Employee Benefits	127.29	122.81	122.1	116.2	112.26	110.84
Occupancy Expenses	12.72	12.63	13.28	13.09	13.18	12.93
Amortization of Goodwill & Intangibles	0.36	0.33	0.33	0.87	1.32	1.48
Selling, General & Administrative	16.86	16.74	16.53	20.8	20.6	19.09
Other Non-Interest Expense	48.81	47.12	51.05	44.79	40.01	39.98
Total Non-Interest Expense	206.04	199.64	203.29	195.75	187.36	184.32
EBT Excluding Unusual Items	110.88	92.98	12.12	109.71	117.5	97.67
Other Unusual Items	-	-	-	-	-2.93	-
Pretax Income	110.88	92.98	12.12	109.71	114.57	97.67
Income Tax Expense	26.37	22	2.5	24.56	25.18	19.92
Earnings From Continuing Operations	84.51	70.97	9.63	85.16	89.39	77.74
Minority Interest in Earnings	-0.03	-0.12	-0.12	-0.13	-0.13	-0.15
Net Income	84.48	70.85	9.51	85.03	89.26	77.59
Preferred Dividends & Other Adjustments	-	-	0.04	0.25	0.62	0.86
Net Income to Common	84.48	70.85	9.46	84.78	88.65	76.73
Net Income Growth	27.62%	645.40%	-88.82%	-4.74%	15.05%	-5.05%
Basic Shares Outstanding	14	14	14	14	15	15
Diluted Shares Outstanding	14	14	14	14	15	15
Shares Change (YoY)	0.51%	-0.23%	-0.72%	-1.67%	-0.64%	-1.55%
EPS (Basic)	5.93	4.98	0.66	5.92	6.08	5.22
EPS (Diluted)	5.90	4.97	0.66	5.89	6.05	5.20
EPS Growth	27.02%	653.03%	-88.80%	-2.65%	16.35%	-3.17%
Dividend Per Share	2.480	2.440	2.400	2.310	2.190	2.100
Dividend Growth	2.48%	1.67%	3.90%	5.48%	4.29%	3.96%
Effective Tax Rate	23.78%	23.66%	20.58%	22.38%	21.98%	20.40%

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