Home Loan Financial Income Statement

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

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Interest Income on Loans	26.3	23.06	18.91	14.23	10.62
Interest Income on Investments	-	0.79	0.44	0.24	0.16
Total Interest Income	26.3	23.86	19.35	14.47	10.78
Interest Paid on Deposits	7.29	6.05	4.37	1.4	0.89
Interest Paid on Borrowings	-	1.47	1.28	0.81	0.1
Total Interest Expense	7.29	7.52	5.66	2.21	1
Net Interest Income	19.01	16.33	13.69	12.26	9.78
Net Interest Income Growth	16.40%	19.28%	11.70%	25.35%	10.10%
Other Non-Interest Income	1.6	1.23	1.31	1.29	1.27
Total Non-Interest Income	1.6	1.27	1.38	1.39	1.79
Non-Interest Income Growth	26.40%	-7.89%	-0.85%	-22.61%	-27.77%
Revenues Before Loan Losses	20.61	17.6	15.07	13.65	11.57
Provision for Loan Losses	0.8	0.72	0.62	0.43	0.25
Revenue	19.81	16.89	14.45	13.21	11.32
Revenue Growth	17.34%	16.86%	9.35%	16.70%	4.98%
Salaries and Employee Benefits	-	4.95	4.68	4.08	3.65
Occupancy Expenses	-	0.51	0.57	0.54	0.47
Federal Deposit Insurance	-	0.17	0.13	0.08	0.07
Selling, General & Administrative	-	1.22	1.03	1.08	1.06
Other Non-Interest Expense	7.39	1.06	1.02	0.91	0.98
Total Non-Interest Expense	7.39	7.91	7.42	6.69	6.22
EBT Excluding Unusual Items	12.43	8.97	7.02	6.52	5.1
Pretax Income	12.43	8.97	7.02	6.52	5.1
Income Tax Expense	2.37	1.76	1.55	1.35	0.95
Net Income	10.06	7.22	5.48	5.17	4.16
Net Income to Common	10.06	7.22	5.48	5.17	4.16
Net Income Growth	39.32%	31.75%	5.94%	24.41%	8.17%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change	-0.27%	0.29%	0.21%	0.05%	-
EPS (Basic)	7.16	5.13	3.90	3.69	2.97
EPS (Diluted)	7.16	5.13	3.90	3.69	2.97
EPS Growth	39.57%	31.54%	5.69%	24.34%	8.31%
Dividend Per Share	-	1.100	1.080	1.080	1.080
Dividend Growth	-	1.85%	0%	0%	0%
Effective Tax Rate	19.09%	19.58%	22.02%	20.69%	18.53%