EFSG Income Statement

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Interest Income on Loans	23.31	20.94	17.35	15.16	17.77
Interest Income on Investments	4.71	4.14	3.39	0.83	0.22
Total Interest Income	28.02	25.08	20.74	15.99	17.99
Interest Paid on Deposits	10.79	9.16	5.78	2.18	1.98
Interest Paid on Borrowings	2.35	2.07	1.58	1.34	1.55
Total Interest Expense	13.14	11.23	7.37	3.52	3.53
Net Interest Income	14.87	13.84	13.37	12.47	14.46
Net Interest Income Growth (YoY)	7.44%	3.54%	7.20%	-13.75%	17.00%
Other Non-Interest Income	2.84	2.51	1.7	2.6	3.83
Total Non-Interest Income	5.82	3.49	1.86	3.19	3.48
Non-Interest Income Growth (YoY)	66.89%	87.91%	-41.79%	-8.37%	14.87%
Revenues Before Loan Losses	20.7	17.33	15.23	15.66	17.94
Provision for Loan Losses	0.71	-0.06	0.49	0.14	0.03
Revenue	19.99	17.4	14.74	15.52	17.91
Revenue Growth (YoY)	14.89%	18.03%	-5.05%	-13.33%	21.15%
Salaries and Employee Benefits	8.43	6.79	6.1	6.31	6.81
Federal Deposit Insurance	0.77	0.66	0.47	0.34	0.48
Selling, General & Administrative	2.88	2.8	2.68	2.48	2.23
Other Non-Interest Expense	3.47	2.72	2.23	2.54	3.11
Total Non-Interest Expense	15.56	12.97	11.48	11.67	12.63
EBT Excluding Unusual Items	4.43	4.43	3.26	3.85	5.28
Pretax Income	4.43	4.43	3.26	3.85	5.28
Income Tax Expense	0.96	1.01	0.72	0.86	1.16
Earnings From Continuing Operations	3.46	3.42	2.54	2.99	4.11
Net Income	3.46	3.42	2.54	2.99	4.11
Preferred Dividends & Other Adjustments	0.2	0.23	0.31	0.42	0.45
Net Income to Common	3.27	3.2	2.22	2.58	3.66
Net Income Growth	1.19%	35.04%	-15.29%	-27.27%	50.29%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	0.23%	0.35%	0.67%	2.27%	0.01%
EPS (Basic)	2.78	2.73	1.90	2.22	3.23
EPS (Diluted)	2.78	2.73	1.90	2.22	3.23
EPS Growth	1.87%	43.61%	-14.40%	-31.27%	60.17%
Dividend Per Share	-	0.445	0.285	0.285	0.260
Dividend Growth	-	56.14%	-	9.62%	23.81%
Effective Tax Rate	21.79%	22.73%	22.17%	22.27%	22.02%

Updated Jan 30, 2014. Source: S&P Global Market Intelligence. Banks template. Financial Sources.