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	Sep '26 Sep 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	80.84	75.36	66.83	56.1	39.67	34.53
Interest Income on Investments	10.85	13.34	17.14	16.55	11.48	7.03
Total Interest Income	91.68	88.69	83.96	72.66	51.14	41.56
Interest Paid on Deposits	17.64	13.45	11.72	6.75	1.07	0.86
Interest Paid on Borrowings	1.17	2.1	2.2	2.37	1.99	1.86
Total Interest Expense	18.81	15.55	13.92	9.12	3.06	2.72
Net Interest Income	72.87	73.14	70.04	63.53	48.09	38.84
Net Interest Income Growth	-1.36%	4.43%	10.25%	32.12%	23.82%	41.52%
Mortgage Banking Activities	10.78	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	2.67	2.02	1.38	1.8	0.84	0.61
Total Non-Interest Income	21.63	29.51	31.95	25.05	13.34	9.97
Non-Interest Income Growth	-35.81%	-7.63%	27.56%	87.76%	33.77%	40.99%
Revenues Before Loan Losses	94.49	102.65	101.99	88.58	61.43	48.81
Provision for Loan Losses	8.59	8.94	3.1	1.75	0.3	2
Revenue	85.9	93.71	98.89	86.83	61.13	46.81
Revenue Growth	-14.85%	-5.23%	13.89%	42.05%	30.58%	49.95%
Salaries and Employee Benefits	31.84	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	17.34	16.06	13.09	9.41	7.6	5.48
Other Non-Interest Expense	10.02	14	14.57	12.28	3.57	2.62
Total Non-Interest Expense	61.21	61.24	51.99	40.61	25.06	18.59
EBT Excluding Unusual Items	24.69	32.47	46.9	46.22	36.07	28.22
Pretax Income	24.69	32.47	46.9	46.22	36.07	28.22
Income Tax Expense	6.8	8.89	12.75	12.66	9.55	7.69
Net Income	17.89	23.58	34.15	33.56	26.52	20.53
Net Income to Common	17.89	23.58	34.15	33.56	26.52	20.53
Net Income Growth	-40.54%	-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	-5.68%	-3.32%	0.20%	1.15%	1.36%	2.14%
EPS (Basic)	6.10	7.68	10.76	10.57	8.51	6.69
EPS (Diluted)	6.07	7.66	10.72	10.56	8.44	6.62
EPS Growth	-36.93%	-28.54%	1.52%	25.12%	27.49%	74.67%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Effective Tax Rate	27.55%	27.37%	27.18%	27.40%	26.47%	27.26%