FFB Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	75.36	66.83	56.1	39.67	34.53
Interest Income on Investments	13.34	17.14	16.55	11.48	7.03
Total Interest Income	88.69	83.96	72.66	51.14	41.56
Interest Paid on Deposits	13.45	11.72	6.75	1.07	0.86
Interest Paid on Borrowings	2.1	2.2	2.37	1.99	1.86
Total Interest Expense	15.55	13.92	9.12	3.06	2.72
Net Interest Income	73.14	70.04	63.53	48.09	38.84
Net Interest Income Growth (YoY)	4.43%	10.25%	32.12%	23.82%	41.52%
Mortgage Banking Activities	20.33	25.27	20.93	8.44	4
Gain (Loss) on Sale of Investments	-0.25	-1.3	-3.14	-0.31	0.3
Other Non-Interest Income	2.87	1.38	1.8	0.84	0.61
Total Non-Interest Income	29.51	31.95	25.05	13.34	9.97
Non-Interest Income Growth (YoY)	-7.63%	27.56%	87.76%	33.77%	40.99%
Revenues Before Loan Losses	102.65	101.99	88.58	61.43	48.81
Provision for Loan Losses	8.94	3.1	1.75	0.3	2
Revenue	93.71	98.89	86.83	61.13	46.81
Revenue Growth (YoY)	-5.23%	13.89%	42.05%	30.58%	49.95%
Salaries and Employee Benefits	31.16	22.72	17.49	13.05	9.95
Occupancy Expenses	-	0.78	0.76	0.41	0.26
Federal Deposit Insurance	-	0.83	0.67	0.43	0.28
Selling, General & Administrative	11.94	11.03	9.41	7.6	5.48
Other Non-Interest Expense	18.14	16.62	12.28	3.57	2.62
Total Non-Interest Expense	61.24	51.99	40.61	25.06	18.59
EBT Excluding Unusual Items	32.47	46.9	46.22	36.07	28.22
Pretax Income	32.47	46.9	46.22	36.07	28.22
Income Tax Expense	8.89	12.75	12.66	9.55	7.69
Net Income	23.58	34.15	33.56	26.52	20.53
Net Income to Common	23.58	34.15	33.56	26.52	20.53
Net Income Growth	-30.94%	1.75%	26.53%	29.20%	78.31%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	-3.32%	0.20%	1.15%	1.36%	2.14%
EPS (Basic)	7.68	10.76	10.57	8.51	6.69
EPS (Diluted)	7.66	10.72	10.56	8.44	6.62
EPS Growth	-28.54%	1.52%	25.12%	27.49%	74.67%
Effective Tax Rate	27.37%	27.18%	27.40%	26.47%	27.26%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.