Exchange Bank 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	100.18	96.07	89.1	81.92	71.44	77.88
Interest Income on Investments	31.41	32.73	35.62	33.63	29.77	17.43
Total Interest Income	131.59	128.8	124.72	115.55	101.21	95.31
Interest Paid on Deposits	34.25	36.51	33.26	16.72	2.04	1.76
Interest Paid on Borrowings	1.62	1.81	10.2	8.34	0.04	-
Total Interest Expense	35.86	38.32	43.46	25.06	2.08	1.76
Net Interest Income	95.73	90.48	81.26	90.49	99.14	93.55
Net Interest Income Growth	13.93%	11.34%	-10.20%	-8.72%	5.97%	-2.94%
Trust Income	11.74	11.74	10.33	-	10.02	10.48
Other Non-Interest Income	14.61	15.07	13.05	23.66	14.34	13.16
Total Non-Interest Income	26.35	26.81	23.39	23.66	24.37	23.65
Non-Interest Income Growth	5.59%	14.66%	-1.16%	-2.90%	3.06%	9.80%
Revenues Before Loan Losses	122.08	117.29	104.65	114.15	123.5	117.19
Provision for Loan Losses	0.1	-	-5.8	-	-	2
Revenue	121.98	117.29	110.45	114.15	123.5	115.19
Revenue Growth	6.27%	6.20%	-3.24%	-7.57%	7.21%	-0.79%
Salaries and Employee Benefits	44.86	43.4	42.68	49.51	40.28	35.62
Occupancy Expenses	7.97	7.97	7.77	-	7.62	7.92
Federal Deposit Insurance	1.53	1.53	1.53	-	0.99	0.71
Selling, General & Administrative	5.46	5.46	5.7	-	7.86	6.54
Other Non-Interest Expense	20.26	19.98	19.19	36.93	16.67	13.86
Total Non-Interest Expense	80.09	78.34	76.87	86.44	73.42	64.65
EBT Excluding Unusual Items	41.89	38.95	33.58	27.71	50.09	50.55
Pretax Income	41.89	38.95	33.58	27.71	50.09	50.55
Income Tax Expense	9.78	8.98	9.73	7.52	12.61	14.14
Net Income	32.11	29.97	23.85	20.19	37.48	36.41
Net Income to Common	32.11	29.97	23.85	20.19	37.48	36.41
Net Income Growth	21.61%	25.64%	18.13%	-46.12%	2.94%	8.04%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	-	-	-	-	-	-
EPS (Basic)	18.73	17.48	13.91	11.78	21.86	21.24
EPS (Diluted)	18.73	17.48	13.91	11.78	21.86	21.24
EPS Growth	21.61%	25.64%	18.13%	-46.12%	2.94%	8.04%

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	5.250	5.200	5.200	5.200	4.900	4.800
Dividend Growth	0.96%	0%	0%	6.12%	2.08%	0%
Effective Tax Rate	23.34%	23.06%	28.96%	27.13%	25.17%	27.97%