FFB Bancorp 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	78.83	75.36	66.83	56.1	39.67	34.53
Interest Income on Investments	10.88	13.34	17.14	16.55	11.48	7.03
Total Interest Income	89.71	88.69	83.96	72.66	51.14	41.56
Interest Paid on Deposits	16.11	13.45	11.72	6.75	1.07	0.86
Interest Paid on Borrowings	1.56	2.1	2.2	2.37	1.99	1.86
Total Interest Expense	17.67	15.55	13.92	9.12	3.06	2.72
Net Interest Income	72.04	73.14	70.04	63.53	48.09	38.84
Net Interest Income Growth	-2.13%	4.43%	10.25%	32.12%	23.82%	41.52%
Mortgage Banking Activities	11.26	20.33	25.27	20.93	8.44	4
Gain (Loss) on Sale of Investments	0.05	-0.25	-1.3	-3.14	-0.31	0.3
Other Non-Interest Income	2.23	2.02	1.38	1.8	0.84	0.61
Total Non-Interest Income	21.76	29.51	31.95	25.05	13.34	9.97
Non-Interest Income Growth	-39.34%	-7.63%	27.56%	87.76%	33.77%	40.99%
Revenues Before Loan Losses	93.8	102.65	101.99	88.58	61.43	48.81
Provision for Loan Losses	6.94	8.94	3.1	1.75	0.3	2
Revenue	86.86	93.71	98.89	86.83	61.13	46.81
Revenue Growth	-15.44%	-5.23%	13.89%	42.05%	30.58%	49.95%
Salaries and Employee Benefits	30.46	29.17	22.72	17.49	13.05	9.95
Occupancy Expenses	0.76	0.76	0.78	0.76	0.41	0.26
Federal Deposit Insurance	1.26	1.26	0.83	0.67	0.43	0.28
Selling, General & Administrative	17.35	16.06	13.09	9.41	7.6	5.48
Other Non-Interest Expense	10.12	14	14.57	12.28	3.57	2.62
Total Non-Interest Expense	59.94	61.24	51.99	40.61	25.06	18.59
EBT Excluding Unusual Items	26.92	32.47	46.9	46.22	36.07	28.22
Pretax Income	26.92	32.47	46.9	46.22	36.07	28.22
Income Tax Expense	7.41	8.89	12.75	12.66	9.55	7.69
Net Income	19.51	23.58	34.15	33.56	26.52	20.53
Net Income to Common	19.51	23.58	34.15	33.56	26.52	20.53
Net Income Growth	-39.81%	-30.93%	1.75%	26.53%	29.20%	78.31%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change	-5.61%	-3.32%	0.20%	1.15%	1.36%	2.14%
EPS (Basic)	6.55	7.68	10.76	10.57	8.51	6.69
EPS (Diluted)	6.53	7.66	10.72	10.56	8.44	6.62
EPS Growth	-36.22%	-28.54%	1.52%	25.12%	27.49%	74.67%
Effective Tax Rate	27.51%	27.37%	27.18%	27.40%	26.47%	27.26%