CBTN 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	84.21	74.29	58.23	44.78	45.31
Interest Income on Investments	12.6	10.6	10.26	8.88	5.84
Total Interest Income	96.81	84.89	68.49	53.66	51.15
Interest Paid on Deposits	30.93	31.68	20.56	4.64	4.08
Interest Paid on Borrowings	5.68	4.52	3.42	1.37	1.28
Total Interest Expense	36.61	36.2	23.98	6	5.36
Net Interest Income	60.2	48.68	44.51	47.65	45.79
Net Interest Income Growth (YoY)	23.65%	9.37%	-6.59%	4.08%	37.20%
Mortgage Banking Activities	-	-	-	0.64	0.58
Gain (Loss) on Sale of Assets	-	-	-	-	0.05
Gain (Loss) on Sale of Investments	0	0.01	-0	-0.02	-0.01
Other Non-Interest Income	7.91	8.09	7.64	4.2	4.03
Total Non-Interest Income	7.91	8.1	7.64	8.9	9.72
Non-Interest Income Growth (YoY)	-2.32%	6.04%	-14.19%	-8.43%	32.51%
Revenues Before Loan Losses	68.11	56.78	52.15	56.56	55.51
Provision for Loan Losses	1.76	1.77	0.97	1.31	1.14
Revenue	66.35	55.01	51.18	55.24	54.37
Revenue Growth (YoY)	20.61%	7.49%	-7.36%	1.61%	38.16%
Salaries and Employee Benefits	-	-	-	20.45	20.05
Occupancy Expenses	-	-	-	2	1.9
Federal Deposit Insurance	-	-	-	0.59	0.72
Amortization of Goodwill & Intangibles	-	-	-	0.29	0.29
Selling, General & Administrative	-	-	-	5.89	7.61
Other Non-Interest Expense	39.41	34.95	33.32	2.93	2.92
Total Non-Interest Expense	39.41	34.95	33.32	32.15	33.49
EBT Excluding Unusual Items	26.94	20.06	17.86	23.09	20.88
Pretax Income	26.94	20.06	17.86	23.09	20.88
Income Tax Expense	5.56	3.83	3.18	4.45	4.14
Net Income	21.38	16.24	14.68	18.64	16.74
Net Income to Common	21.38	16.24	14.68	18.64	16.74
Net Income Growth	31.67%	10.62%	-21.25%	11.38%	54.43%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	0.13%	-0.73%	-0.18%	0.60%	1.19%
EPS (Basic)	3.59	2.73	2.45	3.17	2.85
EPS (Diluted)	3.59	2.73	2.45	3.11	2.80
EPS Growth	31.50%	11.43%	-21.22%	11.07%	52.17%
Dividend Per Share	-	0.720	-	0.160	0.600
Dividend Growth	-	-	-	-73.33%	7.14%
Effective Tax Rate	20.62%	19.06%	17.80%	19.26%	19.83%