Community Heritage Financial, Inc. (CMHF)

CMHF Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	49.97	46.78	39.6	29.37	25.39	22.93
Interest Income on Investments	5.15	6.94	3.91	3.01	1.71	1.23
Total Interest Income	55.12	53.71	43.51	32.37	27.1	24.16
Interest Paid on Deposits	18.88	19.54	15.51	3.44	1.83	3.41
Interest Paid on Borrowings	1.69	3.48	1.88	1.47	1.09	1.11
Total Interest Expense	20.57	23.02	17.39	4.91	2.92	4.52
Net Interest Income	34.55	30.69	26.12	27.46	24.17	19.64
Net Interest Income Growth (YoY)	17.90%	17.49%	-4.88%	13.59%	23.08%	18.31%
Gain (Loss) on Sale of Assets	-	-	0.02	0.07	0.02	0
Gain (Loss) on Sale of Investments	-0.44	-0.44	-	-	0.18	0.75
Other Non-Interest Income	3.02	3.04	2.46	1.9	1.27	2.21
Total Non-Interest Income	3.56	3.59	3.26	3.93	7.01	8.26
Non-Interest Income Growth (YoY)	-7.69%	10.02%	-16.95%	-43.95%	-15.18%	116.02%
Revenues Before Loan Losses	38.11	34.28	29.38	31.39	31.18	27.91
Provision for Loan Losses	1.54	0.61	-0.75	0.81	3.08	3.25
Revenue	36.58	33.67	30.13	30.57	28.11	24.65
Revenue Growth (YoY)	12.68%	11.76%	-1.46%	8.79%	14.00%	25.37%
Salaries and Employee Benefits	14.64	13.9	13.86	11.92	11.43	11.15
Occupancy Expenses	3.03	2.98	3.02	2.54	2.25	2.19
Federal Deposit Insurance	0.69	0.81	0.64	0.57	0.43	0.27
Amortization of Goodwill & Intangibles	-	-	-	0	0.01	0.01
Selling, General & Administrative	5.05	4.9	4.94	4.39	3.85	3.55
Other Non-Interest Expense	2.47	2.25	1.99	1.83	1.93	1.78
Total Non-Interest Expense	25.88	24.85	24.45	21.26	19.9	18.95
EBT Excluding Unusual Items	10.7	8.83	5.68	9.32	8.21	5.71
Pretax Income	10.7	8.83	5.68	9.32	8.21	5.71
Income Tax Expense	2.68	2.2	1.39	2.46	2.19	1.58
Net Income	8.02	6.63	4.3	6.86	6.02	4.13
Net Income to Common	8.02	6.63	4.3	6.86	6.02	4.13
Net Income Growth	37.84%	54.31%	-37.35%	13.97%	45.74%	56.89%
Basic Shares Outstanding	3	3	3	2	2	2
Diluted Shares Outstanding	3	3	3	2	2	2
Shares Change (YoY)	0.16%	0.60%	20.63%	7.06%	-	0.06%
EPS (Basic)	2.74	2.27	1.48	2.85	2.67	1.83
EPS (Diluted)	2.72	2.27	1.48	2.84	2.67	1.83
EPS Growth	36.91%	53.65%	-47.98%	6.37%	45.90%	56.52%
Dividend Per Share	0.320	0.260	0.240	0.180	0.160	0.160
Dividend Growth	33.33%	8.33%	33.33%	12.50%	-	23.08%
Effective Tax Rate	25.06%	24.91%	24.41%	26.42%	26.70%	27.68%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.