Baker Boyer Bancorp (BBBK)

Baker Boyer Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	22.97	21.84	18.81	16.05	16.73	16.14
Interest Income on Investments	4.72	4.43	5.33	5.4	4.2	5.42
Total Interest Income	27.69	26.27	24.14	21.45	20.93	21.56
Interest Paid on Deposits	5.07	4.52	2.18	0.22	0.21	0.29
Interest Paid on Borrowings	0.79	1.83	1.47	0.08	0.01	0
Total Interest Expense	5.86	6.35	3.65	0.3	0.22	0.29
Net Interest Income	21.83	19.92	20.48	21.16	20.7	21.26
Net Interest Income Growth (YoY)	10.18%	-2.78%	-3.18%	2.19%	-2.64%	-5.27%
Trust Income	11.96	11.73	11.35	11.32	11.51	9.33
Other Non-Interest Income	1.05	1.42	2.34	2.16	2.11	2.23
Total Non-Interest Income	13.45	13.58	14.16	14.05	14.14	12.56
Non-Interest Income Growth (YoY)	0.50%	-4.13%	0.76%	-0.62%	12.62%	-0.90%
Revenues Before Loan Losses	35.28	33.49	34.64	35.21	34.84	33.82
Provision for Loan Losses	0.57	0.74	0.09	-3.88	-	0.01
Revenue	34.71	32.75	34.56	39.08	34.84	33.81
Revenue Growth (YoY)	6.01%	-5.24%	-11.58%	12.17%	3.06%	-3.69%
Salaries and Employee Benefits	20.15	20.1	20.08	19.37	18.66	18.37
Occupancy Expenses	2.22	2.13	2.14	2.23	-	-
Federal Deposit Insurance	0.85	0.85	0.83	0.72	0.65	0.47
Selling, General & Administrative	5.13	5.12	5.38	5.38	7.08	7.01
Other Non-Interest Expense	2.61	2.28	2.56	2.21	1.98	1.69
Total Non-Interest Expense	30.96	30.48	30.99	29.92	28.38	27.54
EBT Excluding Unusual Items	3.75	2.27	3.57	9.17	6.47	6.27
Pretax Income	3.75	2.27	3.57	9.17	6.47	6.27
Income Tax Expense	0.7	0.37	0.4	1.62	1.1	1.03
Net Income	3.05	1.89	3.17	7.55	5.37	5.24
Preferred Dividends & Other Adjustments	0.03	0.03	0.05	0.1	0.06	0.05
Net Income to Common	3.02	1.87	3.13	7.46	5.31	5.18
Net Income Growth	75.62%	-40.29%	-58.00%	40.53%	2.66%	-26.44%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	0.71%	0.59%	0.11%	0.43%	-0.38%	0.39%
EPS (Basic)	2.34	1.45	2.43	5.80	4.15	4.03
EPS (Diluted)	2.31	1.43	2.41	5.76	4.12	4.00
EPS Growth	77.62%	-40.66%	-58.16%	39.81%	3.00%	-26.87%
Dividend Per Share	2.000	2.000	2.640	3.280	3.280	3.240
Dividend Growth	-	-24.24%	-19.51%	-	1.23%	-10.50%
Effective Tax Rate	18.75%	16.42%	11.17%	17.63%	16.93%	16.49%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.