BEO Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	45.4	43.67	35.32	27.65	29.45
Interest Income on Investments	10.15	10.22	10.95	4.39	0.45
Total Interest Income	55.55	53.89	46.27	32.04	29.89
Interest Paid on Deposits	5.79	4.88	3.05	1.64	1.29
Net Interest Income	49.76	49.01	43.22	30.4	28.6
Net Interest Income Growth (YoY)	1.52%	13.40%	42.16%	6.30%	9.09%
Mortgage Banking Activities	0.29	0.27	0.32	0.49	0.64
Other Non-Interest Income	3.48	3.6	4.42	4.44	3.04
Total Non-Interest Income	3.77	3.87	4.74	4.93	3.68
Non-Interest Income Growth (YoY)	-2.58%	-18.32%	-3.88%	34.01%	17.79%
Revenues Before Loan Losses	53.53	52.88	47.96	35.33	32.28
Provision for Loan Losses	-	0.7	-	-	0.84
Revenue	53.53	52.18	47.96	35.33	31.44
Revenue Growth (YoY)	2.58%	8.81%	35.74%	12.38%	9.77%
Salaries and Employee Benefits	19.53	17.94	17.9	14.18	12.49
Selling, General & Administrative	8.36	8.3	7.47	6.64	6.35
Other Non-Interest Expense	4.15	4.15	3.85	3.36	3.52
Total Non-Interest Expense	32.05	30.4	29.22	24.18	22.36
EBT Excluding Unusual Items	21.47	21.79	18.73	11.15	9.08
Pretax Income	21.47	21.79	18.73	11.15	9.08
Income Tax Expense	5.28	5.3	4.52	2.56	2.16
Net Income	16.19	16.49	14.21	8.58	6.92
Net Income to Common	16.19	16.49	14.21	8.58	6.92
Net Income Growth	-1.81%	16.05%	65.51%	24.11%	25.23%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	-1.68%	-0.72%	-3.61%	0.05%	0.72%
EPS (Basic)	13.20	13.40	11.75	7.13	5.74
EPS (Diluted)	13.20	13.24	11.36	6.66	5.38
EPS Growth	-0.33%	16.61%	70.58%	23.73%	23.99%
Dividend Per Share	2.000	1.250	1.150	1.000	1.000
Dividend Growth	60.00%	8.70%	15.00%	-	5.26%
Effective Tax Rate	24.61%	24.31%	24.15%	22.98%	23.83%