ES Bancshares, Inc. (ESBS)

ES Bancshares 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	29.7	29.27	26.34	20.04	20.15
Interest Income on Investments	1.97	2.3	1.86	1.18	0.41
Total Interest Income	31.67	31.58	28.21	21.21	20.56
Interest Paid on Deposits	12.31	14.53	9.05	2.35	1.34
Interest Paid on Borrowings	2.76	2.95	3.27	1.48	1.34
Total Interest Expense	15.07	17.48	12.32	3.84	2.68
Net Interest Income	16.61	14.09	15.89	17.38	17.88
Net Interest Income Growth (YoY)	17.82%	-11.29%	-8.57%	-2.81%	24.54%
Gain (Loss) on Sale of Assets	-	-	-	1.78	-
Other Non-Interest Income	2.07	1.14	0.91	0.94	0.92
Total Non-Interest Income	2.2	1.28	1.08	3.17	1.26
Non-Interest Income Growth (YoY)	71.69%	18.70%	-65.93%	150.79%	61.02%
Revenues Before Loan Losses	18.81	15.38	16.97	20.55	19.15
Provision for Loan Losses	-0.04	0.01	0.02	-0.08	0.67
Revenue	18.85	15.36	16.95	20.63	18.48
Revenue Growth (YoY)	22.66%	-9.35%	-17.84%	11.65%	49.45%
Salaries and Employee Benefits	7.14	6.67	7.28	7.22	6.54
Occupancy Expenses	2.53	1.31	1.56	1.53	1.56
Federal Deposit Insurance	0.41	0.43	0.27	0.23	0.31
Selling, General & Administrative	2.81	3.73	4.05	3.41	2.65
Other Non-Interest Expense	2.09	1.83	1.87	1.44	1.51
Total Non-Interest Expense	14.99	13.97	15.04	13.83	12.56
EBT Excluding Unusual Items	3.86	1.4	1.91	6.8	5.91
Other Unusual Items	-	0.25	-	-	-
Pretax Income	3.86	1.64	1.91	6.8	5.91
Income Tax Expense	0.98	0.54	0.44	1.55	1.29
Net Income	2.88	1.1	1.47	5.25	4.63
Net Income to Common	2.88	1.1	1.47	5.25	4.63
Net Income Growth	160.51%	-25.05%	-71.94%	13.47%	283.90%
Basic Shares Outstanding	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7
Shares Change (YoY)	0.48%	1.67%	0.40%	0.41%	-5.11%
EPS (Basic)	0.42	0.16	0.22	0.79	0.70
EPS (Diluted)	0.42	0.16	0.22	0.78	0.69
EPS Growth	159.53%	-27.07%	-71.87%	13.04%	305.88%
Effective Tax Rate	25.49%	32.81%	23.00%	22.76%	21.74%

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