Community Investors Bancorp, Inc. (CIBN)

CIBN Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	14.58	14.58	10.21	8.18	8.12	7.65
Interest Income on Investments	0.86	0.86	0.77	0.5	0.34	0.47
Total Interest Income	15.44	15.44	10.98	8.68	8.46	8.12
Interest Paid on Deposits	4.84	4.84	2.21	0.81	0.97	1.12
Interest Paid on Borrowings	2.39	2.39	1.24	0.49	0.73	0.87
Total Interest Expense	7.24	7.24	3.45	1.3	1.7	1.99
Net Interest Income	8.21	8.21	7.53	7.38	6.77	6.13
Net Interest Income Growth (YoY)	8.96%	8.96%	2.11%	9.05%	10.36%	8.40%
Other Non-Interest Income	0.83	0.83	0.77	0.7	0.54	0.62
Total Non-Interest Income	3.62	3.62	2.83	6	8.7	5.67
Non-Interest Income Growth (YoY)	28.25%	28.25%	-52.94%	-31.01%	53.59%	81.57%
Revenues Before Loan Losses	11.83	11.83	10.36	13.38	15.47	11.8
Provision for Loan Losses	0.04	0.04	0.15	-	0.07	0.47
Revenue	11.79	11.79	10.21	13.38	15.4	11.32
Revenue Growth (YoY)	15.47%	15.47%	-23.71%	-13.09%	35.96%	31.89%
Salaries and Employee Benefits	6.15	6.15	5.54	7.32	8.06	5.52
Occupancy Expenses	0.83	0.83	0.85	0.88	0.83	0.81
Federal Deposit Insurance	0.38	0.38	0.14	0.11	0.1	0.07
Selling, General & Administrative	1.21	1.21	1.36	0.9	0.92	0.95
Other Non-Interest Expense	1.75	1.75	1.5	2.15	2.54	2.07
Total Non-Interest Expense	10.31	10.31	9.38	11.37	12.44	9.41
EBT Excluding Unusual Items	1.47	1.47	0.83	2.02	2.95	1.91
Pretax Income	1.47	1.47	0.83	2.02	2.95	1.91
Income Tax Expense	0.33	0.33	0.11	0.36	0.62	0.39
Net Income	1.14	1.14	0.72	1.65	2.34	1.53
Net Income to Common	1.14	1.14	0.72	1.65	2.34	1.53
Net Income Growth	59.22%	59.22%	-56.66%	-29.28%	52.98%	50.89%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	-0.06%	-0.06%	-0.08%	-	-	-
EPS (Basic)	1.44	1.44	0.90	2.08	2.94	1.92
EPS (Diluted)	1.44	1.44	0.90	2.08	2.94	1.92
EPS Growth	59.31%	59.31%	-56.63%	-29.28%	52.98%	50.89%
Dividend Per Share	0.400	0.400	0.400	0.400	0.400	0.390
Dividend Growth	0%	0%	0%	0%	2.56%	8.33%
Effective Tax Rate	22.66%	22.66%	13.21%	18.06%	20.92%	20.22%

Source: S&P Capital IQ. Banks template. Financial Sources.