High Country Bancorp, Inc. (HCBC)

Bally's Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	25.91	22.59	17.7	17.06	15.95	15.15
Interest Income on Investments	1.78	1.82	2.71	0.85	0.57	0.7
Total Interest Income	27.69	24.4	20.41	17.91	16.53	15.84
Interest Paid on Deposits	4.78	3.59	1.13	0.4	0.39	0.39
Interest Paid on Borrowings	2.21	1.83	0.23	-	0.3	0.13
Total Interest Expense	6.99	5.42	1.35	0.4	0.69	0.52
Net Interest Income	20.7	18.98	19.06	17.51	15.84	15.32
Net Interest Income Growth (YoY)	10.00%	-0.39%	8.83%	10.56%	3.38%	12.01%
Other Non-Interest Income	1.61	1.51	1.48	1.56	1.72	1.36
Total Non-Interest Income	2.08	1.96	2.04	3.42	5.73	3.39
Non-Interest Income Growth (YoY)	8.77%	-3.87%	-40.18%	-40.39%	68.80%	55.62%
Revenues Before Loan Losses	22.78	20.94	21.1	20.92	21.57	18.71
Provision for Loan Losses	1.05	1	0.3	-	0.15	1.2
Revenue	21.73	19.94	20.8	20.92	21.42	17.51
Revenue Growth (YoY)	6.88%	-4.11%	-0.60%	-2.30%	22.29%	11.14%
Salaries and Employee Benefits	9.35	8.52	8.63	9.81	9.8	7.33
Occupancy Expenses	3.52	3.18	2.79	2.75	2.33	1.84
Selling, General & Administrative	0.99	0.99	0.88	0.79	0.81	0.7
Other Non-Interest Expense	3.95	3.05	2.59	2.01	2.01	1.83
Total Non-Interest Expense	17.81	15.74	14.89	15.36	14.93	11.7
EBT Excluding Unusual Items	3.92	4.2	5.91	5.56	6.48	5.81
Pretax Income	3.92	4.2	5.91	5.56	6.48	5.81
Income Tax Expense	0.88	0.95	1.35	1.32	1.61	1.48
Net Income	3.05	3.25	4.56	4.24	4.87	4.33
Net Income to Common	3.05	3.25	4.56	4.24	4.87	4.33
Net Income Growth	-14.71%	-28.62%	7.40%	-12.89%	12.44%	7.17%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	-0.80%	0.17%	-0.87%	-0.72%	8.22%	4.72%
EPS (Basic)	3.22	3.45	4.77	4.43	5.10	4.91
EPS (Diluted)	3.00	3.17	4.45	4.11	4.68	4.51
EPS Growth	-14.13%	-28.76%	8.27%	-12.18%	3.77%	2.50%
Dividend Per Share	2.000	2.000	2.000	2.000	2.000	1.500
Dividend Growth	-	-	-	-	33.33%	-25.00%
Effective Tax Rate	22.34%	22.58%	22.88%	23.74%	24.85%	25.45%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.