Cullman Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	21.46	19.72	17.35	15.2	12.76
Interest Income on Investments	1.62	1.82	2.11	1.33	0.61
Total Interest Income	23.08	21.54	19.46	16.53	13.37
Interest Paid on Deposits	4.96	5.03	2.86	1.06	1.11
Interest Paid on Borrowings	2.07	1.92	1.42	0.31	0.68
Total Interest Expense	7.02	6.95	4.28	1.37	1.79
Net Interest Income	16.06	14.59	15.18	15.16	11.58
Net Interest Income Growth (YoY)	10.08%	-3.93%	0.12%	30.90%	2.47%
Other Non-Interest Income	0.66	0.51	0.47	0.45	0.35
Total Non-Interest Income	1.79	1.69	1.58	1.6	1.46
Non-Interest Income Growth (YoY)	5.85%	6.89%	-1.00%	9.30%	0.97%
Revenues Before Loan Losses	17.85	16.28	16.77	16.76	13.05
Provision for Loan Losses	0.05	-0.41	0.29	0.44	0.06
Revenue	17.8	16.69	16.47	16.33	12.99
Revenue Growth (YoY)	6.65%	1.30%	0.89%	25.70%	3.06%
Salaries and Employee Benefits	7.18	6.97	6.79	6.48	5.57
Occupancy Expenses	1.33	1.09	0.98	0.94	0.86
Federal Deposit Insurance	0.18	0.16	0.16	0.08	0.08
Selling, General & Administrative	3.29	3.54	3.17	3.14	2.46
Other Non-Interest Expense	0.63	0.54	0.45	0.5	0.4
Total Non-Interest Expense	12.67	12.31	11.55	11.13	9.36
EBT Excluding Unusual Items	5.12	4.38	4.92	5.2	3.63
Other Unusual Items	-	-	0.13	0.09	-1.54
Pretax Income	5.12	4.38	5.05	5.28	2.09
Income Tax Expense	1.08	0.87	1.1	1.1	0.34
Net Income	4.05	3.51	3.95	4.18	1.75
Preferred Dividends & Other Adjustments	0.08	0.09	0.05	0.05	0.02
Net Income to Common	3.96	3.42	3.9	4.13	1.73
Net Income Growth	15.34%	-11.28%	-5.50%	139.03%	-50.65%
Basic Shares Outstanding	6	7	7	7	7
Diluted Shares Outstanding	6	7	7	7	7
Shares Change (YoY)	-9.60%	-8.73%	2.46%	0.58%	4.16%
EPS (Basic)	0.68	0.52	0.56	0.59	0.25
EPS (Diluted)	0.67	0.52	0.54	0.59	0.25
EPS Growth	28.85%	-3.70%	-8.47%	136.00%	-51.92%
Dividend Per Share	0.120	0.120	0.120	0.120	0.120
Dividend Growth	-	-	-	-	-2.60%
Effective Tax Rate	21.06%	19.86%	21.72%	20.84%	16.43%

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