CBTN Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018
Interest Income on Loans	44.78	45.31	35.51	35.73	33.72
Interest Income on Investments	8.88	5.84	5.62	6.37	6.35
Total Interest Income	53.66	51.15	41.13	42.1	40.07
Interest Paid on Deposits	4.64	4.08	6.47	5.95	3.99
Interest Paid on Borrowings	1.37	1.28	1.29	2.77	2.95
Total Interest Expense	6	5.36	7.76	8.72	6.94
Net Interest Income	47.65	45.79	33.37	33.38	33.14
Net Interest Income Growth (YoY)	4.08%	37.20%	-0.03%	0.74%	-
Mortgage Banking Activities	0.64	0.58	0.04	-	-
Gain (Loss) on Sale of Assets	-	0.05	-0.02	-0.01	0.06
Gain (Loss) on Sale of Investments	-0.02	-0.01	0.02	0.11	-
Other Non-Interest Income	4.2	4.03	3.66	3.69	3.92
Total Non-Interest Income	8.9	9.72	7.34	7.48	7.24
Non-Interest Income Growth (YoY)	-8.43%	32.51%	-1.87%	3.25%	-
Revenues Before Loan Losses	56.56	55.51	40.71	40.86	40.38
Provision for Loan Losses	1.31	1.14	1.36	1.3	1.22
Revenue	55.24	54.37	39.35	39.56	39.16
Revenue Growth (YoY)	1.61%	38.16%	-0.53%	1.03%	-
Salaries and Employee Benefits	20.45	20.05	15.03	15.4	14.21
Occupancy Expenses	2	1.9	1.48	1.27	1.26
Federal Deposit Insurance	0.59	0.72	0.42	0.2	0.39
Amortization of Goodwill & Intangibles	0.29	0.29	0.24	0.24	0.24
Selling, General & Administrative	5.89	7.61	5.44	4.71	4.5
Other Non-Interest Expense	2.93	2.92	3.51	3.61	3.31
Total Non-Interest Expense	32.15	33.49	26.16	25.44	23.96
EBT Excluding Unusual Items	23.09	20.88	13.2	14.12	15.2
Pretax Income	23.09	20.88	13.2	14.12	15.18
Income Tax Expense	4.45	4.14	2.36	2.89	3.17
Net Income	18.64	16.74	10.84	11.23	12.02
Net Income to Common	18.64	16.74	10.84	11.23	12.02
Net Income Growth	11.38%	54.43%	-3.49%	-6.53%	-
Basic Shares Outstanding	6	6	6	6	-
Diluted Shares Outstanding	6	6	6	6	-
Shares Change (YoY)	0.60%	1.19%	0.42%	-	-
EPS (Basic)	3.17	2.85	1.85	1.91	-
EPS (Diluted)	3.11	2.80	1.84	1.91	-
EPS Growth	11.07%	52.17%	-3.79%	-	-
Dividend Per Share	0.160	0.600	0.560	0.260	-
Dividend Growth	-73.33%	7.14%	115.39%	-	-
Effective Tax Rate	19.26%	19.83%	17.87%	20.47%	20.85%

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