BEO Bancorp (BEOB)

BEO Bancorp Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	43.67	35.32	27.65	29.45	27.11
Interest Income on Investments	10.22	10.95	4.39	0.45	0.7
Total Interest Income	53.89	46.27	32.04	29.89	27.81
Interest Paid on Deposits	4.88	3.05	1.64	1.29	1.59
Net Interest Income	49.01	43.22	30.4	28.6	26.22
Net Interest Income Growth (YoY)	13.40%	42.16%	6.30%	9.09%	16.32%
Mortgage Banking Activities	0.27	0.32	0.49	0.64	0.44
Other Non-Interest Income	3.6	4.42	4.44	3.04	2.68
Total Non-Interest Income	3.87	4.74	4.93	3.68	3.12
Non-Interest Income Growth (YoY)	-18.32%	-3.88%	34.01%	17.79%	-10.50%
Revenues Before Loan Losses	52.88	47.96	35.33	32.28	29.34
Provision for Loan Losses	0.7	-	-	0.84	0.7
Revenue	52.18	47.96	35.33	31.44	28.64
Revenue Growth (YoY)	8.81%	35.74%	12.38%	9.77%	14.99%
Salaries and Employee Benefits	17.94	17.9	14.18	12.49	11.91
Selling, General & Administrative	8.3	7.47	6.64	6.35	5.11
Other Non-Interest Expense	4.15	3.85	3.36	3.52	4.44
Total Non-Interest Expense	30.4	29.22	24.18	22.36	21.74
EBT Excluding Unusual Items	21.79	18.73	11.15	9.08	6.9
Pretax Income	21.79	18.73	11.15	9.08	6.9
Income Tax Expense	5.3	4.52	2.56	2.16	1.37
Net Income	16.49	14.21	8.58	6.92	5.52
Net Income to Common	16.49	14.21	8.58	6.92	5.52
Net Income Growth	16.05%	65.51%	24.11%	25.23%	29.10%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	-0.72%	-3.61%	0.05%	0.72%	9.45%
EPS (Basic)	13.40	11.75	7.13	5.74	4.66
EPS (Diluted)	13.24	11.36	6.66	5.38	4.34
EPS Growth	16.61%	70.58%	23.73%	23.99%	19.88%
Dividend Per Share	1.250	1.150	1.000	1.000	0.950
Dividend Growth	8.70%	15.00%	-	5.26%	5.56%
Effective Tax Rate	24.31%	24.15%	22.98%	23.83%	19.92%

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