Kish Bancorp, Inc. (KISB)

Kish 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	88.6	85.63	66.62	42.39	35.47	35.16
Interest Income on Investments	5.9	6.24	6.78	4.81	4.14	4.29
Total Interest Income	94.5	91.87	73.4	47.19	39.6	39.45
Interest Paid on Deposits	34.22	33.38	21.12	5.07	2.86	5.32
Interest Paid on Borrowings	9.6	9.46	8.65	3.88	3.35	3.02
Total Interest Expense	43.83	42.83	29.77	8.95	6.21	8.34
Net Interest Income	50.68	49.03	43.63	38.24	33.39	31.11
Net Interest Income Growth (YoY)	14.19%	12.39%	14.07%	14.54%	7.33%	12.97%
Trust Income	3.29	3.32	2.55	2.49	2.12	1.78
Gain (Loss) on Sale of Investments	0.38	0.31	-0.15	0.16	0.27	-0.23
Other Non-Interest Income	5.94	5.91	6.29	6.21	4.68	4.57
Total Non-Interest Income	12.68	12.52	11.37	12.11	11.35	10.12
Non-Interest Income Growth (YoY)	9.51%	10.10%	-6.09%	6.72%	12.08%	19.06%
Revenues Before Loan Losses	63.35	61.55	55	50.35	44.73	41.23
Provision for Loan Losses	1.15	1.1	0.71	-	0.78	2.27
Revenue	62.21	60.45	54.29	50.35	43.95	38.96
Revenue Growth (YoY)	12.96%	11.35%	7.81%	14.56%	12.81%	9.30%
Salaries and Employee Benefits	25.21	24.69	21.53	20.39	19.29	17.38
Occupancy Expenses	4.2	4.11	3.9	4.62	4.06	3.06
Federal Deposit Insurance	1.38	1.29	1.13	0.76	0.73	0.5
Selling, General & Administrative	7.16	6.84	6.26	4.68	3.68	3.75
Other Non-Interest Expense	6.04	5.99	5.31	4.62	4.97	5.01
Total Non-Interest Expense	43.99	42.93	38.13	35.07	32.72	29.68
EBT Excluding Unusual Items	18.22	17.52	16.15	15.28	11.23	9.28
Pretax Income	18.22	17.52	16.15	15.28	11.23	9.28
Income Tax Expense	3.17	3	2.65	2.42	1.35	1.24
Net Income	15.04	14.52	13.5	12.86	9.88	8.04
Net Income to Common	15.04	14.52	13.5	12.86	9.88	8.04
Net Income Growth	13.37%	7.56%	4.97%	30.15%	22.91%	14.73%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	6.44%	8.58%	0.14%	-0.05%	1.97%	-0.66%
EPS (Basic)	5.29	5.13	5.22	5.02	3.88	3.20
EPS (Diluted)	5.24	5.09	5.13	4.90	3.76	3.12
EPS Growth	6.69%	-0.78%	4.69%	30.32%	20.51%	15.56%
Dividend Per Share	1.540	1.520	1.460	1.340	1.190	1.080
Dividend Growth	4.05%	4.11%	8.96%	12.61%	10.18%	5.88%
Effective Tax Rate	17.43%	17.12%	16.43%	15.85%	12.03%	13.36%

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