Cornerstone Bancorp Inc. (CNBP)

Cornerstone Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	39.28	35.2	28.64	30.18
Interest Income on Investments	-	14.16	13.85	7.02	1.86
Total Interest Income	-	53.44	49.06	35.66	32.04
Interest Paid on Deposits	-	19.35	13.4	2.39	1.58
Interest Paid on Borrowings	-	1.31	1.48	1.27	1.3
Total Interest Expense	-	20.66	14.88	3.66	2.88
Net Interest Income	36.53	32.78	34.18	32	29.16
Net Interest Income Growth (YoY)	11.43%	-4.08%	6.81%	9.74%	9.36%
Trust Income	-	3.69	3.58	3.51	3.5
Other Non-Interest Income	5.81	0.63	0.58	1.02	0.81
Total Non-Interest Income	5.81	5.47	5.2	5.99	7.98
Non-Interest Income Growth (YoY)	6.14%	5.24%	-13.20%	-24.90%	-21.95%
Revenues Before Loan Losses	42.34	38.25	39.38	37.99	37.14
Provision for Loan Losses	0.52	0.33	0.05	-	0.05
Revenue	41.82	37.93	39.32	37.99	37.09
Revenue Growth (YoY)	10.25%	-3.55%	3.51%	2.43%	3.06%
Salaries and Employee Benefits	-	16.63	16.59	15.83	14.95
Federal Deposit Insurance	-	0.59	0.59	0.52	0.42
Selling, General & Administrative	-	5.56	4.81	4.65	4.57
Other Non-Interest Expense	27.47	2.37	2.02	2.25	3.36
Total Non-Interest Expense	27.47	25.16	24.01	23.31	23.31
EBT Excluding Unusual Items	14.35	12.77	15.32	14.68	13.77
Pretax Income	14.35	12.77	15.32	14.68	13.77
Income Tax Expense	3.53	3.01	4.44	4.19	3.95
Net Income	10.82	9.76	10.88	10.48	9.83
Net Income to Common	10.82	9.76	10.88	10.48	9.83
Net Income Growth	10.87%	-10.28%	3.77%	6.68%	17.34%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	0.34%	-0.76%	-0.60%	-0.04%	-
EPS (Basic)	11.00	9.95	11.01	10.54	9.88
EPS (Diluted)	11.00	9.95	11.01	10.54	9.88
EPS Growth	10.53%	-9.62%	4.40%	6.73%	17.34%
Effective Tax Rate	24.61%	23.56%	28.99%	28.57%	28.66%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.