Baker Boyer Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	22.52	22.98	21.84	18.81	16.05	16.73
Interest Income on Investments	7.41	5.47	4.43	5.33	5.4	4.2
Total Interest Income	29.93	28.45	26.27	24.14	21.45	20.93
Interest Paid on Deposits	5.49	5.29	4.52	2.18	0.22	0.21
Interest Paid on Borrowings	0.03	0.56	1.83	1.47	0.08	0.01
Total Interest Expense	5.52	5.86	6.35	3.65	0.3	0.22
Net Interest Income	24.41	22.59	19.92	20.48	21.16	20.7
Net Interest Income Growth	11.80%	13.43%	-2.78%	-3.18%	2.19%	-2.64%
Trust Income	13.06	12.13	11.73	11.35	11.32	11.51
Other Non-Interest Income	1.44	1.05	1.42	2.34	2.16	2.11
Total Non-Interest Income	14.92	13.61	13.58	14.16	14.05	14.14
Non-Interest Income Growth	10.94%	0.28%	-4.13%	0.76%	-0.62%	12.62%
Revenues Before Loan Losses	39.33	36.2	33.49	34.64	35.21	34.84
Provision for Loan Losses	-0.16	0.24	0.74	0.09	-3.88	-
Revenue	39.49	35.96	32.75	34.56	39.08	34.84
Revenue Growth	13.75%	9.80%	-5.24%	-11.58%	12.17%	3.06%
Salaries and Employee Benefits	21.88	20.75	20.1	20.08	19.37	18.66
Occupancy Expenses	2.3	2.29	2.13	2.14	2.23	-
Federal Deposit Insurance	0.8	0.8	0.85	0.83	0.72	0.65
Selling, General & Administrative	5.15	5.13	5.12	5.38	5.38	7.08
Other Non-Interest Expense	3.75	2.92	2.28	2.56	2.21	1.98
Total Non-Interest Expense	33.89	31.89	30.48	30.99	29.92	28.38
EBT Excluding Unusual Items	5.6	4.07	2.27	3.57	9.17	6.47
Pretax Income	5.6	4.07	2.27	3.57	9.17	6.47
Income Tax Expense	1.09	0.77	0.37	0.4	1.62	1.1
Net Income	4.51	3.31	1.89	3.17	7.55	5.37
Preferred Dividends & Other Adjustments	0.05	0.05	0.03	0.05	0.1	0.06
Net Income to Common	4.46	3.26	1.87	3.13	7.46	5.31
Net Income Growth	47.80%	74.54%	-40.33%	-58.05%	40.39%	2.45%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change	0.24%	0.21%	0.59%	0.11%	0.43%	-0.38%
EPS (Basic)	3.44	2.52	1.45	2.43	5.80	4.15
EPS (Diluted)	3.40	2.49	1.43	2.41	5.76	4.12
EPS Growth	47.40%	74.13%	-40.66%	-58.16%	39.81%	3.00%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	2.100	2.000	2.000	2.640	3.280	3.280
Dividend Growth	5.00%	0%	-24.24%	-19.51%	0%	1.23%
Effective Tax Rate	19.43%	18.81%	16.42%	11.17%	17.63%	16.93%