Crystal Valley Financial Corporation (CYVF)

Crystal Valley Financial 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	42.1	38.72	32.94	24.78	23.38
Interest Income on Investments	3.95	4.16	4.12	4.84	3.95
Total Interest Income	46.05	42.88	37.06	29.63	27.32
Interest Paid on Deposits	11.09	10.31	6.19	2.1	1.82
Interest Paid on Borrowings	2.58	3.9	3.12	0.69	0.63
Total Interest Expense	13.67	14.22	9.31	2.79	2.45
Net Interest Income	32.38	28.66	27.75	26.84	24.87
Net Interest Income Growth (YoY)	12.98%	3.29%	3.38%	7.91%	-2.11%
Trust Income	1.45	1.27	1.16	1.24	1.23
Gain (Loss) on Sale of Investments	-0.35	-2.45	0.03	0.22	0.63
Other Non-Interest Income	2.12	4.78	2.16	2.18	3.68
Total Non-Interest Income	4.13	4.3	3.76	4.99	8.1
Non-Interest Income Growth (YoY)	-4.10%	14.36%	-24.64%	-38.35%	19.40%
Revenues Before Loan Losses	36.51	32.96	31.51	31.83	32.97
Provision for Loan Losses	3.04	-0.03	0.67	0.21	0.22
Revenue	33.47	33	30.84	31.62	32.75
Revenue Growth (YoY)	1.43%	6.98%	-2.46%	-3.45%	5.92%
Salaries and Employee Benefits	11.57	11.02	10.21	10.46	11.07
Federal Deposit Insurance	0.36	0.36	0.32	0.21	0.18
Selling, General & Administrative	5.85	5.47	5.25	4.94	3.53
Other Non-Interest Expense	3.26	2.96	2.92	3.17	4.33
Total Non-Interest Expense	21.05	19.81	18.7	18.78	19.12
EBT Excluding Unusual Items	12.42	13.19	12.15	12.84	13.63
Pretax Income	12.42	13.19	12.15	12.84	13.63
Income Tax Expense	1.97	2.09	2.01	1.83	1.98
Net Income	10.45	11.1	10.14	11.01	11.65
Net Income to Common	10.45	11.1	10.14	11.01	11.65
Net Income Growth	-5.83%	9.46%	-7.89%	-5.49%	4.31%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	-1.52%	-3.60%	-4.03%	-3.23%	-2.55%
EPS (Basic)	8.22	8.59	7.57	7.88	8.07
EPS (Diluted)	8.22	8.59	7.57	7.88	8.07
EPS Growth	-4.38%	13.55%	-4.02%	-2.34%	7.05%
Dividend Per Share	1.910	1.770	1.710	1.650	1.490
Dividend Growth	7.91%	3.51%	3.64%	10.74%	-3.87%
Effective Tax Rate	15.85%	15.84%	16.52%	14.24%	14.55%

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