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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	22.2	21.84	18.81	16.05	16.73	16.14
Interest Income on Investments	4.33	4.43	5.33	5.4	4.2	5.42
Total Interest Income	26.53	26.27	24.14	21.45	20.93	21.56
Interest Paid on Deposits	4.73	4.52	2.18	0.22	0.21	0.29
Interest Paid on Borrowings	1.51	1.83	1.47	0.08	0.01	0
Total Interest Expense	6.23	6.35	3.65	0.3	0.22	0.29
Net Interest Income	20.3	19.92	20.48	21.16	20.7	21.26
Net Interest Income Growth (YoY)	0.85%	-2.78%	-3.18%	2.19%	-2.64%	-5.27%
Trust Income	11.86	11.73	11.35	11.32	11.51	9.33
Other Non-Interest Income	1.43	1.42	2.34	2.16	2.11	2.23
Total Non-Interest Income	13.72	13.58	14.16	14.05	14.14	12.56
Non-Interest Income Growth (YoY)	-3.56%	-4.13%	0.76%	-0.62%	12.62%	-0.90%
Revenues Before Loan Losses	34.02	33.49	34.64	35.21	34.84	33.82
Provision for Loan Losses	0.59	0.74	0.09	-3.88	-	0.01
Revenue	33.43	32.75	34.56	39.08	34.84	33.81
Revenue Growth (YoY)	-2.02%	-5.24%	-11.58%	12.17%	3.06%	-3.69%
Salaries and Employee Benefits	19.99	20.1	20.08	19.37	18.66	18.37
Occupancy Expenses	2.14	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	2.27	2.28	2.56	2.21	1.98	1.69
Total Non-Interest Expense	30.38	30.48	30.99	29.92	28.38	27.54
EBT Excluding Unusual Items	3.05	2.27	3.57	9.17	6.47	6.27
Pretax Income	3.05	2.27	3.57	9.17	6.47	6.27
Income Tax Expense	0.55	0.37	0.4	1.62	1.1	1.03
Net Income	2.5	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	2.47	1.87	3.13	7.46	5.31	5.18
Net Income Growth	-17.02%	-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)	0.66%	0.59%	0.11%	0.43%	-0.38%	0.39%
EPS (Basic)	1.92	1.45	2.43	5.80	4.15	4.03
EPS (Diluted)	1.89	1.43	2.41	5.76	4.12	4.00
EPS Growth	-17.21%	-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	-13.79%	-24.24%	-19.51%	-	1.23%	-10.50%
Effective Tax Rate	17.95%	16.42%	11.17%	17.63%	16.93%	16.49%

Updated Mar 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.