Community Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	59.59	49.99	39.69	39.13	39.33
Interest Income on Investments	10.51	8.57	7.12	4.51	3.68
Total Interest Income	70.1	58.56	46.81	43.64	43
Interest Paid on Deposits	27.52	17.87	2.26	3.1	6.78
Interest Paid on Borrowings	0.14	0.79	0.43	0.01	-0
Total Interest Expense	27.65	18.66	2.69	3.11	6.78
Net Interest Income	42.45	39.9	44.12	40.53	36.22
Net Interest Income Growth	6.39%	-9.57%	8.86%	11.89%	1.50%
Gain (Loss) on Sale of Assets	0.02	-0	0.1	-0.01	-0.08
Gain (Loss) on Sale of Investments	-	-	-0	-0	0
Other Non-Interest Income	8.36	7.57	7.99	8.63	8.37
Total Non-Interest Income	8.38	7.57	8.09	8.61	8.28
Non-Interest Income Growth	10.67%	-6.43%	-6.00%	3.91%	37.25%
Revenues Before Loan Losses	50.83	47.47	52.21	49.14	44.51
Provision for Loan Losses	1.75	1.26	1.62	0.67	1.55
Revenue	49.08	46.21	50.6	48.47	42.96
Revenue Growth	6.20%	-8.66%	4.38%	12.83%	6.01%
Salaries and Employee Benefits	18.56	17.32	18.01	17.82	16.25
Occupancy Expenses	1.9	1.87	1.79	1.75	-
Federal Deposit Insurance	0.83	0.7	0.38	0.37	0.28
Selling, General & Administrative	8.15	7.45	7.04	6.98	8.64
Other Non-Interest Expense	7.11	7.32	6.85	11.61	6.17
Total Non-Interest Expense	36.54	34.66	34.08	38.53	31.33
EBT Excluding Unusual Items	12.53	11.55	16.52	9.94	11.63
Pretax Income	12.53	11.55	16.52	9.94	11.63
Income Tax Expense	2.21	2	3.01	1.63	2.01
Net Income	10.33	9.56	13.51	8.31	9.62
Net Income to Common	10.33	9.56	13.51	8.31	9.62
Net Income Growth	8.06%	-29.26%	62.53%	-13.61%	13.09%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change	-	-	-	-	-
EPS (Basic)	7.89	7.31	10.33	6.35	7.35
EPS (Diluted)	7.89	7.31	10.33	6.35	7.35
EPS Growth	8.06%	-29.26%	62.53%	-13.61%	13.09%

Additional Metrics

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Dividend Per Share	2.400	2.400	2.380	2.220	2.020
Dividend Growth	0%	0.84%	7.21%	9.90%	7.45%
Effective Tax Rate	17.62%	17.30%	18.24%	16.37%	17.29%