FFB Bancorp (FFBB)

FFB 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	73.87	66.83	56.1	39.67	34.53	24.66
Interest Income on Investments	14.81	17.14	16.55	11.48	7.03	4.07
Total Interest Income	88.68	83.96	72.66	51.14	41.56	28.74
Interest Paid on Deposits	12.81	11.72	6.75	1.07	0.86	0.96
Interest Paid on Borrowings	1.99	2.2	2.37	1.99	1.86	0.33
Total Interest Expense	14.8	13.92	9.12	3.06	2.72	1.29
Net Interest Income	73.87	70.04	63.53	48.09	38.84	27.44
Net Interest Income Growth (YoY)	9.26%	10.25%	32.12%	23.82%	41.52%	24.10%
Mortgage Banking Activities	25.25	25.27	20.93	8.44	4	3.96
Gain (Loss) on Sale of Investments	-0.73	-1.3	-3.14	-0.31	0.3	0.06
Other Non-Interest Income	2.07	1.38	1.8	0.84	0.61	0.63
Total Non-Interest Income	33.69	31.95	25.05	13.34	9.97	7.07
Non-Interest Income Growth (YoY)	18.48%	27.56%	87.76%	33.77%	40.99%	74.63%
Revenues Before Loan Losses	107.57	101.99	88.58	61.43	48.81	34.52
Provision for Loan Losses	6.68	3.1	1.75	0.3	2	3.3
Revenue	100.89	98.89	86.83	61.13	46.81	31.22
Revenue Growth (YoY)	7.50%	13.89%	42.05%	30.58%	49.95%	22.33%
Salaries and Employee Benefits	26.67	22.72	17.49	13.05	9.95	9.26
Occupancy Expenses	0.78	0.78	0.76	0.41	0.26	0.29
Federal Deposit Insurance	0.83	0.83	0.67	0.43	0.28	0.3
Selling, General & Administrative	11	11.03	9.41	7.6	5.48	4.09
Other Non-Interest Expense	20.49	16.62	12.28	3.57	2.62	1.56
Total Non-Interest Expense	59.78	51.99	40.61	25.06	18.59	15.51
EBT Excluding Unusual Items	41.11	46.9	46.22	36.07	28.22	15.71
Pretax Income	41.11	46.9	46.22	36.07	28.22	15.71
Income Tax Expense	11.02	12.75	12.66	9.55	7.69	4.2
Net Income	30.09	34.15	33.56	26.52	20.53	11.51
Net Income to Common	30.09	34.15	33.56	26.52	20.53	11.51
Net Income Growth	-5.96%	1.75%	26.53%	29.20%	78.31%	25.11%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	-1.64%	0.20%	1.15%	1.36%	2.14%	1.76%
EPS (Basic)	9.66	10.76	10.57	8.51	6.69	3.84
EPS (Diluted)	9.63	10.72	10.56	8.44	6.62	3.79
EPS Growth	-4.39%	1.52%	25.12%	27.49%	74.67%	22.65%
Effective Tax Rate	26.80%	27.18%	27.40%	26.47%	27.26%	26.71%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.