CCCB Bancorp, Inc. (CCYY)

CCCB Bancorp Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2015	FY 2014	FY 2013
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2015	Dec 31, 2014	Dec 31, 2013
Interest Income on Loans	11.24	9.53	5.07	4.56	4.54
Interest Income on Investments	0.85	0.85	0.42	0.53	0.66
Total Interest Income	12.09	10.38	5.49	5.1	5.19
Interest Paid on Deposits	5.32	3.02	0.65	0.66	0.76
Interest Paid on Borrowings	0.28	0.44	0.04	0.01	0
Total Interest Expense	5.61	3.45	0.69	0.67	0.76
Net Interest Income	6.49	6.92	4.8	4.43	4.43
Net Interest Income Growth (YoY)	-6.33%	44.11%	8.42%	-0.01%	-2.63%
Gain (Loss) on Sale of Investments	-	-0.01	-0.01	-0	0.01
Other Non-Interest Income	0.53	0.49	0.3	0.28	0.27
Total Non-Interest Income	0.52	0.48	0.4	0.41	0.39
Non-Interest Income Growth (YoY)	9.33%	19.13%	-1.71%	5.87%	-12.43%
Revenues Before Loan Losses	7.01	7.4	5.21	4.84	4.82
Provision for Loan Losses	0.04	-0.02	0.25	0.16	0.08
Revenue	6.97	7.42	4.96	4.68	4.73
Revenue Growth (YoY)	-6.06%	49.74%	5.90%	-1.13%	-1.98%
Salaries and Employee Benefits	3.66	3.76	2.18	2.12	1.89
Occupancy Expenses	0.72	0.7	0.34	0.34	0.29
Federal Deposit Insurance	0.15	0.11	0.08	0.08	0.08
Selling, General & Administrative	1.26	1.33	0.69	0.65	0.67
Other Non-Interest Expense	1.11	1.12	0.66	0.66	0.61
Total Non-Interest Expense	6.9	7.02	3.95	3.85	3.53
EBT Excluding Unusual Items	0.07	0.4	1	0.83	1.2
Pretax Income	0.07	0.4	1	0.83	1.2
Income Tax Expense	-0.09	-0.01	0.23	0.16	0.26
Net Income	0.16	0.41	0.77	0.68	0.95
Net Income to Common	0.16	0.41	0.77	0.68	0.95
Net Income Growth	-61.02%	-46.80%	14.31%	-28.74%	-9.94%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	-	-	0.08%	0.19%	-
EPS (Basic)	0.10	0.25	0.46	0.41	0.57
EPS (Diluted)	0.10	0.25	0.46	0.41	0.57
EPS Growth	-61.02%	-46.41%	13.40%	-28.83%	-9.52%
Dividend Per Share	0.150	0.220	0.100	0.060	0.060
Dividend Growth	-31.82%	120.00%	66.67%	-	50.00%
Effective Tax Rate	-	-	23.20%	18.97%	21.33%

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