Elmer Bancorp, Inc. (ELMA)

Elmer Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	17.21	16.08	14.02	11.86	12.42	12.19
Interest Income on Investments	2.19	2.19	2.37	1.71	0.31	0.23
Total Interest Income	19.4	18.27	16.39	13.56	12.74	12.42
Interest Paid on Deposits	4.27	3.69	1.39	0.77	0.86	0.93
Net Interest Income	15.13	14.58	15	12.8	11.87	11.49
Net Interest Income Growth (YoY)	2.86%	-2.74%	17.20%	7.77%	3.31%	3.26%
Other Non-Interest Income	1.32	0.74	0.68	0.69	0.73	0.66
Total Non-Interest Income	1.67	1.09	1.03	1.04	1.03	0.93
Non-Interest Income Growth (YoY)	59.40%	6.49%	-1.61%	0.87%	11.39%	-13.59%
Revenues Before Loan Losses	16.8	15.68	16.02	13.84	12.91	12.42
Provision for Loan Losses	0.1	-0.05	0.01	-0.17	0.3	0.93
Revenue	16.69	15.72	16.02	14.01	12.61	11.49
Revenue Growth (YoY)	5.97%	-1.82%	14.31%	11.15%	9.73%	-4.30%
Salaries and Employee Benefits	7.02	7.02	6.64	6.17	5.62	5.34
Occupancy Expenses	1.4	1.4	1.33	1.25	1.16	1.04
Federal Deposit Insurance	0.23	0.23	0.27	0.29	0.28	0.23
Selling, General & Administrative	2.03	2.03	1.93	1.77	1.89	1.85
Other Non-Interest Expense	1.83	1.19	1.39	0.91	0.97	1.02
Total Non-Interest Expense	12.51	11.87	11.56	10.39	9.93	9.49
EBT Excluding Unusual Items	4.19	3.85	4.46	3.62	2.68	2
Pretax Income	4.19	3.85	4.46	3.62	2.68	2
Income Tax Expense	0.94	1	1.28	1.01	0.73	0.53
Net Income	3.24	2.85	3.18	2.6	1.95	1.47
Net Income to Common	3.24	2.85	3.18	2.6	1.95	1.47
Net Income Growth	14.51%	-10.38%	22.17%	33.61%	32.66%	-28.91%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	-0.23%	-0.66%	-0.01%	0.08%	0.13%	-0.02%
EPS (Basic)	2.84	2.50	2.77	2.27	1.70	1.28
EPS (Diluted)	2.84	2.50	2.77	2.27	1.70	1.28
EPS Growth	14.73%	-9.79%	22.08%	33.47%	32.81%	-28.89%
Dividend Per Share	-	-	0.400	0.400	0.400	0.330
Dividend Growth	-	-	-	-	21.21%	-45.00%
Effective Tax Rate	22.55%	26.02%	28.63%	28.03%	27.25%	26.44%

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