Bancorp. of Southern Indiana (BCSO)

BCSO Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	54.97	51.11	41.13	27.35	24.24
Interest Paid on Deposits	22.17	23.45	14.35	4.14	3.25
Net Interest Income	32.8	27.65	26.78	23.22	20.98
Net Interest Income Growth (YoY)	18.61%	3.25%	15.35%	10.65%	8.08%
Other Non-Interest Income	12.81	11.82	10.54	9.24	12.3
Total Non-Interest Income	12.81	11.82	10.54	9.24	12.3
Non-Interest Income Growth (YoY)	8.33%	12.21%	14.05%	-24.89%	3.40%
Revenues Before Loan Losses	45.61	39.48	37.32	32.46	33.28
Provision for Loan Losses	1.57	1.01	0.9	-	-
Revenue	44.04	38.47	36.42	32.46	33.28
Revenue Growth (YoY)	14.48%	5.64%	12.20%	-2.48%	12.78%
Other Non-Interest Expense	33.97	30.37	28.44	23.94	22.72
Total Non-Interest Expense	33.97	30.37	28.44	23.94	22.72
EBT Excluding Unusual Items	10.07	8.1	7.97	8.52	10.56
Pretax Income	10.07	8.1	7.97	8.52	10.56
Income Tax Expense	1.79	1.36	1.16	1.27	1.68
Net Income	8.28	6.74	6.81	7.26	8.88
Net Income to Common	8.28	6.74	6.81	7.26	8.88
Net Income Growth	22.74%	-1.00%	-6.13%	-18.26%	27.62%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	-0.06%	-0.06%	-0.14%	-0.21%	-
EPS (Basic)	6.13	4.99	5.04	5.36	6.54
EPS (Diluted)	6.13	4.99	5.04	5.36	6.54
EPS Growth	22.82%	-0.94%	-6.00%	-18.09%	27.62%
Dividend Per Share	1.720	1.580	1.570	1.570	1.550
Dividend Growth	8.86%	0.64%	-	1.29%	10.71%
Effective Tax Rate	17.80%	16.78%	14.59%	14.85%	15.95%

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