Elmer Bancorp, Inc. (ELMA)

Elmer Bancorp 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	20.43	16.08	14.02	11.86	12.42
Interest Income on Investments	-	2.19	2.37	1.71	0.31
Total Interest Income	20.43	18.27	16.39	13.56	12.74
Interest Paid on Deposits	4.5	3.69	1.39	0.77	0.86
Net Interest Income	15.93	14.58	15	12.8	11.87
Net Interest Income Growth (YoY)	9.21%	-2.74%	17.20%	7.77%	3.31%
Other Non-Interest Income	1.72	0.74	0.68	0.69	0.73
Total Non-Interest Income	1.72	1.09	1.03	1.04	1.03
Non-Interest Income Growth (YoY)	57.46%	6.49%	-1.61%	0.87%	11.39%
Revenues Before Loan Losses	17.65	15.68	16.02	13.84	12.91
Provision for Loan Losses	0.16	-0.05	0.01	-0.17	0.3
Revenue	17.49	15.72	16.02	14.01	12.61
Revenue Growth (YoY)	11.24%	-1.82%	14.31%	11.15%	9.73%
Salaries and Employee Benefits	-	7.02	6.64	6.17	5.62
Occupancy Expenses	-	1.4	1.33	1.25	1.16
Federal Deposit Insurance	-	0.23	0.27	0.29	0.28
Selling, General & Administrative	-	2.03	1.93	1.77	1.89
Other Non-Interest Expense	13.23	1.19	1.39	0.91	0.97
Total Non-Interest Expense	13.23	11.87	11.56	10.39	9.93
EBT Excluding Unusual Items	4.26	3.85	4.46	3.62	2.68
Pretax Income	4.26	3.85	4.46	3.62	2.68
Income Tax Expense	0.96	1	1.28	1.01	0.73
Net Income	3.3	2.85	3.18	2.6	1.95
Net Income to Common	3.3	2.85	3.18	2.6	1.95
Net Income Growth	15.81%	-10.38%	22.17%	33.61%	32.66%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	0.22%	-0.66%	-0.01%	0.08%	0.13%
EPS (Basic)	2.89	2.50	2.77	2.27	1.70
EPS (Diluted)	2.89	2.50	2.77	2.27	1.70
EPS Growth	15.52%	-9.79%	22.08%	33.47%	32.81%
Dividend Per Share	-	-	0.400	0.400	0.400
Dividend Growth	-	-	-	-	21.21%
Effective Tax Rate	22.49%	26.02%	28.63%	28.03%	27.25%

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