Catskill Hudson Bancorp, Inc. (CSKL)

Catskill Hudson Bancorp Income Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	19.7	15.9	14.56	14.61	14.92
Interest Income on Investments	3.78	2.33	0.94	1.56	3.47
Total Interest Income	23.48	18.23	15.5	16.17	18.38
Interest Paid on Deposits	8.74	1.76	1.42	2.91	3.61
Interest Paid on Borrowings	0.86	0.65	0.83	0.88	0.94
Total Interest Expense	9.6	2.41	2.25	3.79	4.55
Net Interest Income	13.88	15.83	13.25	12.38	13.84
Net Interest Income Growth (YoY)	-12.28%	19.45%	7.00%	-10.50%	2.47%
Gain (Loss) on Sale of Investments	-	-	-	0.43	0.04
Other Non-Interest Income	0.9	1.01	2	1.47	1.22
Total Non-Interest Income	0.9	1.01	2	1.9	1.25
Non-Interest Income Growth (YoY)	-10.54%	-49.67%	5.27%	51.68%	18.22%
Revenues Before Loan Losses	14.78	16.83	15.25	14.28	15.09
Provision for Loan Losses	-0.01	0.5	0.34	0.68	-
Revenue	14.79	16.34	14.91	13.61	15.09
Revenue Growth (YoY)	-9.48%	9.57%	9.58%	-9.82%	3.61%
Salaries and Employee Benefits	8.34	7.9	7.12	6.45	7.48
Occupancy Expenses	0.71	0.69	0.68	0.63	0.59
Federal Deposit Insurance	0.41	0.34	0.33	0.32	0.17
Selling, General & Administrative	4.01	3.96	3.5	3.1	3.01
Other Non-Interest Expense	1.55	1.65	1.49	1.8	1.65
Total Non-Interest Expense	15.01	14.54	13.12	12.32	12.9
EBT Excluding Unusual Items	-0.22	1.79	1.79	1.29	2.19
Pretax Income	-0.22	1.79	1.79	1.29	2.19
Income Tax Expense	-0.07	0.29	0.27	0.16	0.34
Net Income	-0.15	1.51	1.52	1.13	1.84
Net Income to Common	-0.15	1.51	1.52	1.13	1.84
Net Income Growth	-	-1.05%	34.22%	-38.47%	0%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	0.25%	0.23%	-0.03%	0.02%	0.44%
EPS (Basic)	-0.22	2.14	2.17	1.61	2.62
EPS (Diluted)	-0.22	2.14	2.17	1.61	2.62
EPS Growth	-	-1.28%	34.26%	-38.48%	-0.43%
Dividend Per Share	0.480	0.480	0.450	0.440	0.440
Dividend Growth	0%	6.67%	2.27%	0%	33.33%
Effective Tax Rate	-	16.01%	15.02%	12.16%	15.73%

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