Kish Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	95.76	85.63	66.62	42.39	35.47	35.16
Interest Income on Investments	5.62	6.24	6.78	4.81	4.14	4.29
Total Interest Income	101.38	91.87	73.4	47.19	39.6	39.45
Interest Paid on Deposits	33.7	33.38	21.12	5.07	2.86	5.32
Interest Paid on Borrowings	12.32	9.46	8.65	3.88	3.35	3.02
Total Interest Expense	46.03	42.83	29.77	8.95	6.21	8.34
Net Interest Income	55.35	49.03	43.63	38.24	33.39	31.11
Net Interest Income Growth (YoY)	16.46%	12.39%	14.07%	14.54%	7.33%	12.97%
Trust Income	3.49	3.32	2.55	2.49	2.12	1.78
Gain (Loss) on Sale of Investments	0.31	0.31	-0.15	0.16	0.27	-0.23
Other Non-Interest Income	6.45	5.91	6.29	6.21	4.68	4.57
Total Non-Interest Income	13.5	12.52	11.37	12.11	11.35	10.12
Non-Interest Income Growth (YoY)	11.49%	10.10%	-6.09%	6.72%	12.08%	19.06%
Revenues Before Loan Losses	68.85	61.55	55	50.35	44.73	41.23
Provision for Loan Losses	1.27	1.1	0.71	-	0.78	2.27
Revenue	67.58	60.45	54.29	50.35	43.95	38.96
Revenue Growth (YoY)	16.89%	11.35%	7.81%	14.56%	12.81%	9.30%
Salaries and Employee Benefits	26.85	24.69	21.53	20.39	19.29	17.38
Occupancy Expenses	4.45	4.11	3.9	4.62	4.06	3.06
Federal Deposit Insurance	1.49	1.29	1.13	0.76	0.73	0.5
Selling, General & Administrative	7.64	6.84	6.26	4.68	3.68	3.75
Other Non-Interest Expense	6.86	5.99	5.31	4.62	4.97	5.01
Total Non-Interest Expense	47.28	42.93	38.13	35.07	32.72	29.68
EBT Excluding Unusual Items	20.3	17.52	16.15	15.28	11.23	9.28
Pretax Income	20.3	17.52	16.15	15.28	11.23	9.28
Income Tax Expense	3.58	3	2.65	2.42	1.35	1.24
Net Income	16.72	14.52	13.5	12.86	9.88	8.04
Net Income to Common	16.72	14.52	13.5	12.86	9.88	8.04
Net Income Growth	20.48%	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)	1.02%	8.58%	0.14%	-0.05%	1.97%	-0.66%
EPS (Basic)	5.85	5.13	5.22	5.02	3.88	3.20
EPS (Diluted)	5.80	5.09	5.13	4.90	3.76	3.12
EPS Growth	19.45%	-0.78%	4.69%	30.32%	20.51%	15.56%
Dividend Per Share	1.570	1.520	1.460	1.340	1.190	1.080
Dividend Growth	-	4.11%	8.96%	12.61%	10.18%	5.88%
Effective Tax Rate	17.64%	17.12%	16.43%	15.85%	12.03%	13.36%

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