Cornerstone Bancorp 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	Mar '26 Mar 31, 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	-	43.31	39.28	35.2	28.64	30.18
Interest Income on Investments	-	11.13	14.16	13.85	7.02	1.86
Total Interest Income	-	54.44	53.44	49.06	35.66	32.04
Interest Paid on Deposits	-	16.9	19.35	13.4	2.39	1.58
Interest Paid on Borrowings	-	1.01	1.31	1.48	1.27	1.3
Total Interest Expense	-	17.91	20.66	14.88	3.66	2.88
Net Interest Income	37.81	36.53	32.78	34.18	32	29.16
Net Interest Income Growth (YoY)	14.86%	11.43%	-4.08%	6.81%	9.74%	9.36%
Trust Income	3.75	3.75	3.69	3.58	3.51	3.5
Other Non-Interest Income	0.79	0.62	0.63	0.58	1.02	0.81
Total Non-Interest Income	5.98	5.81	5.47	5.2	5.99	7.98
Non-Interest Income Growth (YoY)	8.53%	6.14%	5.24%	-13.20%	-24.90%	-21.95%
Revenues Before Loan Losses	43.79	42.34	38.25	39.38	37.99	37.14
Provision for Loan Losses	0.7	0.52	0.33	0.05	-	0.05
Revenue	43.09	41.82	37.93	39.32	37.99	37.09
Revenue Growth (YoY)	12.64%	10.25%	-3.55%	3.51%	2.43%	3.06%
Salaries and Employee Benefits	18.04	18.04	16.63	16.59	15.83	14.95
Federal Deposit Insurance	0.57	0.57	0.59	0.59	0.52	0.42
Selling, General & Administrative	5.98	5.98	5.56	4.81	4.65	4.57
Other Non-Interest Expense	3.52	2.88	2.37	2.02	2.25	3.36
Total Non-Interest Expense	28.11	27.46	25.16	24.01	23.31	23.31
EBT Excluding Unusual Items	14.99	14.35	12.77	15.32	14.68	13.77
Pretax Income	14.99	14.35	12.77	15.32	14.68	13.77
Income Tax Expense	3.75	3.53	3.01	4.44	4.19	3.95
Net Income	11.24	10.82	9.76	10.88	10.48	9.83
Net Income to Common	11.24	10.82	9.76	10.88	10.48	9.83
Net Income Growth	16.63%	10.88%	-10.28%	3.77%	6.68%	17.34%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	0.29%	0.32%	-0.76%	-0.60%	-0.04%	-
EPS (Basic)	11.42	11.00	9.95	11.01	10.54	9.88
EPS (Diluted)	11.42	11.00	9.95	11.01	10.54	9.88
EPS Growth	16.29%	10.55%	-9.62%	4.40%	6.73%	17.34%
Effective Tax Rate	25.02%	24.61%	23.56%	28.99%	28.57%	28.66%