Cashmere Valley Bank (CSHX)

Cashmere Valley Bank 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	53.36	52.6	47.39	39.95	39.15
Interest Income on Investments	46.42	41.33	34.76	26.29	18.74
Total Interest Income	99.78	93.93	82.15	66.24	57.89
Interest Paid on Deposits	29.25	28.52	16.26	4.32	5.09
Interest Paid on Borrowings	2.84	2.23	0.26	0.06	0.05
Total Interest Expense	32.09	30.75	16.52	4.38	5.14
Net Interest Income	67.69	63.18	65.64	61.86	52.75
Net Interest Income Growth (YoY)	7.13%	-3.74%	6.10%	17.28%	12.89%
Mortgage Banking Activities	1.76	1.57	1.51	2.32	5.53
Gain (Loss) on Sale of Investments	0.13	-	-4.82	-8.18	0
Other Non-Interest Income	18.71	16.95	15.49	15.4	12.73
Total Non-Interest Income	22.65	20.56	14.31	11.67	19.9
Non-Interest Income Growth (YoY)	10.18%	43.66%	22.66%	-41.38%	-5.31%
Revenues Before Loan Losses	90.34	83.74	79.95	73.53	72.65
Provision for Loan Losses	2.97	1.97	2.94	0.8	0.08
Revenue	87.36	81.77	77.01	72.73	72.57
Revenue Growth (YoY)	6.84%	6.18%	5.88%	0.22%	12.39%
Salaries and Employee Benefits	30.33	27.38	22.11	24.34	21.98
Occupancy Expenses	3.37	3.47	4.01	3.32	3.12
Federal Deposit Insurance	1.05	0.97	1.02	0.69	0.63
Selling, General & Administrative	8.73	8.08	8.39	7.12	6.21
Other Non-Interest Expense	7.64	7.32	6.6	6.8	6.07
Total Non-Interest Expense	51.09	47.7	42.76	42.91	38.59
EBT Excluding Unusual Items	36.27	34.06	34.25	29.82	33.98
Pretax Income	36.27	34.06	34.25	29.82	33.98
Income Tax Expense	6.89	5.83	6.21	3.82	4.95
Earnings From Continuing Operations	29.39	28.23	28.03	26	29.03
Minority Interest in Earnings	-0.16	-0.08	-0.05	-	-
Net Income	29.23	28.16	27.98	26	29.03
Net Income to Common	29.23	28.16	27.98	26	29.03
Net Income Growth	3.79%	0.63%	7.62%	-10.45%	13.76%
Basic Shares Outstanding	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4
Shares Change (YoY)	0.69%	0.15%	-0.06%	-1.02%	-1.19%
EPS (Basic)	7.49	7.24	7.20	6.70	7.42
EPS (Diluted)	7.46	7.24	7.20	6.69	7.39
EPS Growth	3.04%	0.56%	7.62%	-9.47%	15.11%
Dividend Per Share	1.850	1.700	1.700	1.700	1.550
Dividend Growth	8.82%	-	-	9.68%	10.71%
Effective Tax Rate	18.99%	17.11%	18.14%	12.80%	14.56%

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