Crystal Valley Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	42.68	42.1	38.72	32.94	24.78	23.38
Interest Income on Investments	3.86	3.95	4.16	4.12	4.84	3.95
Total Interest Income	46.54	46.05	42.88	37.06	29.63	27.32
Interest Paid on Deposits	10.78	11.09	10.31	6.19	2.1	1.82
Interest Paid on Borrowings	2.47	2.58	3.9	3.12	0.69	0.63
Total Interest Expense	13.25	13.67	14.22	9.31	2.79	2.45
Net Interest Income	33.29	32.38	28.66	27.75	26.84	24.87
Net Interest Income Growth	9.69%	12.98%	3.29%	3.38%	7.91%	-2.11%
Trust Income	1.56	1.45	1.27	1.16	1.24	1.23
Gain (Loss) on Sale of Investments	-0	-0.35	-2.45	0.03	0.22	0.63
Other Non-Interest Income	2.22	2.12	4.78	2.16	2.18	3.68
Total Non-Interest Income	4.82	4.13	4.3	3.76	4.99	8.1
Non-Interest Income Growth	20.98%	-4.10%	14.36%	-24.64%	-38.35%	19.40%
Revenues Before Loan Losses	38.1	36.51	32.96	31.51	31.83	32.97
Provision for Loan Losses	2.9	3.04	-0.03	0.67	0.21	0.22
Revenue	35.21	33.47	33	30.84	31.62	32.75
Revenue Growth	4.23%	1.43%	6.98%	-2.46%	-3.45%	5.92%
Salaries and Employee Benefits	11.77	11.57	11.02	10.21	10.46	11.07
Federal Deposit Insurance	0.36	0.36	0.36	0.32	0.21	0.18
Selling, General & Administrative	6.26	5.85	5.47	5.25	4.94	3.53
Other Non-Interest Expense	3.29	3.26	2.96	2.92	3.17	4.33
Total Non-Interest Expense	21.68	21.05	19.81	18.7	18.78	19.12
EBT Excluding Unusual Items	13.53	12.42	13.19	12.15	12.84	13.63
Pretax Income	13.53	12.42	13.19	12.15	12.84	13.63
Income Tax Expense	2.21	1.97	2.09	2.01	1.83	1.98
Net Income	11.32	10.45	11.1	10.14	11.01	11.65
Net Income to Common	11.32	10.45	11.1	10.14	11.01	11.65
Net Income Growth	-0.35%	-5.83%	9.46%	-7.89%	-5.49%	4.31%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change	-1.60%	-1.52%	-3.60%	-4.03%	-3.23%	-2.55%
EPS (Basic)	8.97	8.22	8.59	7.57	7.88	8.07
EPS (Diluted)	8.97	8.22	8.59	7.57	7.88	8.07
EPS Growth	1.27%	-4.38%	13.55%	-4.02%	-2.34%	7.05%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	1.990	1.910	1.770	1.710	1.650	1.490
Dividend Growth	8.15%	7.91%	3.51%	3.64%	10.74%	-3.87%
Effective Tax Rate	16.32%	15.85%	15.84%	16.52%	14.24%	14.55%