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	Jun '26 Jun 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	-	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	38.93	36.53	32.78	34.18	32	29.16
Net Interest Income Growth	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	1.23	0.62	0.63	0.58	1.02	0.81
Total Non-Interest Income	6.42	5.81	5.47	5.2	5.99	7.98
Non-Interest Income Growth	13.59%	6.14%	5.24%	-13.20%	-24.90%	-21.95%
Revenues Before Loan Losses	45.34	42.34	38.25	39.38	37.99	37.14
Provision for Loan Losses	1.18	0.52	0.33	0.05	-	0.05
Revenue	44.16	41.82	37.93	39.32	37.99	37.09
Revenue Growth	11.77%	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	3.94	2.88	2.37	2.02	2.25	3.36
Total Non-Interest Expense	28.53	27.46	25.16	24.01	23.31	23.31
EBT Excluding Unusual Items	15.63	14.35	12.77	15.32	14.68	13.77
Pretax Income	15.63	14.35	12.77	15.32	14.68	13.77
Income Tax Expense	4.01	3.53	3.01	4.44	4.19	3.95
Net Income	11.62	10.82	9.76	10.88	10.48	9.83
Net Income to Common	11.62	10.82	9.76	10.88	10.48	9.83
Net Income Growth	11.78%	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	0.25%	0.32%	-0.76%	-0.60%	-0.04%	-
EPS (Basic)	11.82	11.00	9.95	11.01	10.54	9.88
EPS (Diluted)	11.82	11.00	9.95	11.01	10.54	9.88
EPS Growth	11.52%	10.55%	-9.62%	4.40%	6.73%	17.34%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Effective Tax Rate	25.64%	24.61%	23.56%	28.99%	28.57%	28.66%