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	Sep '26 Sep 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	55.82	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	70.16	59.89	53.28	47.53	39.8	39.82
Interest Paid on Deposits	20.12	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	23.07	19.31	17.85	11.43	2.13	1.78
Net Interest Income	47.09	40.57	35.43	36.1	37.67	38.03
Net Interest Income Growth	21.21%	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	3.02	2.36	2.7	1.97	1.92	1.75
Total Non-Interest Income	8.06	7.37	7.31	5.79	7.01	8.31
Non-Interest Income Growth	15.51%	0.78%	26.21%	-17.34%	-15.68%	0.23%
Revenues Before Loan Losses	55.15	47.94	42.74	41.89	44.67	46.34
Provision for Loan Losses	1.55	0.55	-	0.08	-	0.83
Revenue	53.6	47.39	42.74	41.82	44.67	45.52
Revenue Growth	16.96%	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	11.98	10.96	10.43	9.12	9	8.39
Total Non-Interest Expense	33.28	32.26	30.35	28.8	27.68	26.99
EBT Excluding Unusual Items	20.32	15.13	12.39	13.02	16.99	18.53
Pretax Income	20.32	15.13	12.39	13.02	16.99	18.53
Income Tax Expense	4.07	2.99	2.33	2.24	2.98	3.3
Net Income	16.25	12.14	10.06	10.77	14.01	15.23
Net Income to Common	16.25	12.14	10.06	10.77	14.01	15.23
Net Income Growth	45.51%	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	-2.36%	-2.54%	-1.69%	-2.35%	-1.50%	-1.12%
EPS (Basic)	8.08	5.94	4.80	5.05	6.41	6.87
EPS (Diluted)	8.08	5.94	4.80	5.05	6.41	6.87
EPS Growth	49.03%	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	Sep '26 Sep 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	2.440	2.350	2.300	2.280	2.230	2.160
Dividend Growth	4.72%	2.17%	0.88%	2.24%	3.24%	8.00%
Effective Tax Rate	20.04%	19.74%	18.80%	17.24%	17.53%	17.80%