Cashmere Valley Bank (CSHX)

Cashmere Valley Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	53.68	53.36	52.6	47.39	39.95	39.15
Interest Income on Investments	47.58	47.01	41.33	34.76	26.29	18.74
Total Interest Income	101.27	100.38	93.93	82.15	66.24	57.89
Interest Paid on Deposits	29.34	29.25	28.52	16.26	4.32	5.09
Interest Paid on Borrowings	3.22	2.84	2.23	0.26	0.06	0.05
Total Interest Expense	32.57	32.09	30.75	16.52	4.38	5.14
Net Interest Income	68.7	68.28	63.18	65.64	61.86	52.75
Net Interest Income Growth (YoY)	7.68%	8.08%	-3.74%	6.10%	17.28%	12.89%
Mortgage Banking Activities	1.78	1.76	1.57	1.51	2.32	5.53
Gain (Loss) on Sale of Investments	0.06	0.13	-	-4.82	-8.18	0
Other Non-Interest Income	18.01	18.11	16.95	15.49	15.4	12.73
Total Non-Interest Income	21.94	22.06	20.56	14.31	11.67	19.9
Non-Interest Income Growth (YoY)	1.79%	7.29%	43.66%	22.66%	-41.38%	-5.31%
Revenues Before Loan Losses	90.64	90.34	83.74	79.95	73.53	72.65
Provision for Loan Losses	3.64	2.97	1.97	2.94	0.8	0.08
Revenue	87	87.36	81.77	77.01	72.73	72.57
Revenue Growth (YoY)	5.37%	6.84%	6.18%	5.88%	0.22%	12.39%
Salaries and Employee Benefits	30.4	30.09	27.38	22.11	24.34	21.98
Occupancy Expenses	3.35	3.37	3.47	4.01	3.32	3.12
Federal Deposit Insurance	1.08	1.05	0.97	1.02	0.69	0.63
Selling, General & Administrative	9.13	8.97	8.08	8.39	7.12	6.21
Other Non-Interest Expense	7.82	7.64	7.32	6.6	6.8	6.07
Total Non-Interest Expense	51.54	51.09	47.7	42.76	42.91	38.59
EBT Excluding Unusual Items	35.46	36.27	34.06	34.25	29.82	33.98
Pretax Income	35.46	36.27	34.06	34.25	29.82	33.98
Income Tax Expense	6.69	6.89	5.83	6.21	3.82	4.95
Earnings From Continuing Operations	28.77	29.39	28.23	28.03	26	29.03
Minority Interest in Earnings	-0.16	-0.16	-0.08	-0.05	-	-
Net Income	28.61	29.23	28.16	27.98	26	29.03
Net Income to Common	28.61	29.23	28.16	27.98	26	29.03
Net Income Growth	4.83%	3.79%	0.63%	7.62%	-10.45%	13.76%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change (YoY)	-0.41%	0.64%	0.15%	-0.06%	-1.02%	-1.19%
EPS (Basic)	7.40	7.49	7.24	7.20	6.70	7.42
EPS (Diluted)	7.37	7.46	7.24	7.20	6.69	7.39
EPS Growth	5.16%	3.04%	0.56%	7.62%	-9.47%	15.11%
Dividend Per Share	1.950	1.850	1.700	1.700	1.700	1.550
Dividend Growth	11.43%	8.82%	-	-	9.68%	10.71%
Effective Tax Rate	18.86%	18.99%	17.11%	18.14%	12.80%	14.56%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.