Croghan Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	52.24	45.55	40.99	36.83	31.69	34.58
Interest Income on Investments	14.34	14.34	12.29	10.7	8.11	5.24
Total Interest Income	66.58	59.89	53.28	47.53	39.8	39.82
Interest Paid on Deposits	18.45	16.37	15.27	8.47	1.26	1.35
Interest Paid on Borrowings	2.95	2.95	2.58	2.96	0.87	0.44
Total Interest Expense	21.4	19.31	17.85	11.43	2.13	1.78
Net Interest Income	45.18	40.57	35.43	36.1	37.67	38.03
Net Interest Income Growth	20.11%	14.52%	-1.87%	-4.16%	-0.96%	5.97%
Trust Income	2.77	2.77	2.6	2.31	2.27	2.36
Gain (Loss) on Sale of Investments	-0.12	-0.15	-0.47	-1.04	-0.03	-0.01
Other Non-Interest Income	2.5	2.36	2.7	1.97	1.92	1.75
Total Non-Interest Income	7.54	7.37	7.31	5.79	7.01	8.31
Non-Interest Income Growth	17.48%	0.78%	26.21%	-17.34%	-15.68%	0.23%
Revenues Before Loan Losses	52.72	47.94	42.74	41.89	44.67	46.34
Provision for Loan Losses	1.4	0.55	-	0.08	-	0.83
Revenue	51.32	47.39	42.74	41.82	44.67	45.52
Revenue Growth	16.55%	10.88%	2.20%	-6.39%	-1.85%	9.14%
Salaries and Employee Benefits	18.69	18.69	17.59	17.36	16.33	16.3
Amortization of Goodwill & Intangibles	-	-	-	0.08	0.16	0.24
Selling, General & Administrative	2.61	2.61	2.33	2.24	2.2	2.06
Other Non-Interest Expense	11.59	10.96	10.43	9.12	9	8.39
Total Non-Interest Expense	32.89	32.26	30.35	28.8	27.68	26.99
EBT Excluding Unusual Items	18.43	15.13	12.39	13.02	16.99	18.53
Pretax Income	18.43	15.13	12.39	13.02	16.99	18.53
Income Tax Expense	3.65	2.99	2.33	2.24	2.98	3.3
Net Income	14.78	12.14	10.06	10.77	14.01	15.23
Net Income to Common	14.78	12.14	10.06	10.77	14.01	15.23
Net Income Growth	44.53%	20.71%	-6.64%	-23.13%	-8.00%	11.03%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	-2.70%	-2.54%	-1.69%	-2.35%	-1.50%	-1.12%
EPS (Basic)	7.32	5.94	4.80	5.05	6.41	6.87
EPS (Diluted)	7.32	5.94	4.80	5.05	6.41	6.87
EPS Growth	48.54%	23.85%	-5.03%	-21.23%	-6.65%	12.24%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	2.410	2.350	2.300	2.280	2.230	2.160
Dividend Growth	3.88%	2.17%	0.88%	2.24%	3.24%	8.00%
Effective Tax Rate	19.82%	19.74%	18.80%	17.24%	17.53%	17.80%