Bancorp. of Southern Indiana (BCSO)

BCSO Income Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	41.13	27.35	24.24	23.73	22.95
Interest Paid on Deposits	14.35	4.14	3.25	4.32	4.96
Net Interest Income	26.78	23.22	20.98	19.42	17.99
Net Interest Income Growth (YoY)	15.35%	10.65%	8.08%	7.95%	8.49%
Other Non-Interest Income	10.54	9.24	12.3	11.9	8.01
Total Non-Interest Income	10.54	9.24	12.3	11.9	8.01
Non-Interest Income Growth (YoY)	14.05%	-24.89%	3.40%	48.44%	31.38%
Revenues Before Loan Losses	37.32	32.46	33.28	31.31	26
Provision for Loan Losses	0.9	-	-	1.8	0.43
Revenue	36.42	32.46	33.28	29.51	25.57
Revenue Growth (YoY)	12.20%	-2.48%	12.78%	15.39%	15.31%
Other Non-Interest Expense	28.44	23.94	22.72	21.3	19.08
Total Non-Interest Expense	28.44	23.94	22.72	21.3	19.08
EBT Excluding Unusual Items	7.97	8.52	10.56	8.21	6.5
Pretax Income	7.97	8.52	10.56	8.21	6.5
Income Tax Expense	1.16	1.27	1.68	1.25	0.97
Net Income	6.81	7.26	8.88	6.96	5.53
Net Income to Common	6.81	7.26	8.88	6.96	5.53
Net Income Growth	-6.13%	-18.26%	27.62%	25.68%	28.13%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	-0.14%	-0.21%	-	-	-
EPS (Basic)	5.04	5.36	6.54	5.12	4.08
EPS (Diluted)	5.04	5.36	6.54	5.12	4.08
EPS Growth	-6.00%	-18.09%	27.62%	25.68%	28.13%
Dividend Per Share	1.570	1.570	1.550	1.400	1.250
Dividend Growth	-	1.29%	10.71%	12.00%	25.00%
Effective Tax Rate	14.59%	14.85%	15.95%	15.25%	14.85%

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