KS Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	39.67	32.27	25.58	18.03	17.5
Interest Income on Investments	3.68	3.88	3.82	1.77	1.5
Total Interest Income	43.36	36.15	29.4	19.81	19
Interest Paid on Deposits	14.44	13.1	8.39	1.02	2.23
Interest Paid on Borrowings	0.76	0.85	0.76	1.12	1.36
Total Interest Expense	15.2	13.95	9.15	2.14	3.59
Net Interest Income	28.16	22.2	20.26	17.66	15.41
Net Interest Income Growth (YoY)	26.83%	9.61%	14.69%	14.62%	19.07%
Mortgage Banking Activities	1.62	1.39	1.22	0.06	0.17
Gain (Loss) on Sale of Investments	-	-	-	-	0
Other Non-Interest Income	0.89	0.75	0.69	1.68	1.39
Total Non-Interest Income	3.95	3.49	3.22	2.88	2.95
Non-Interest Income Growth (YoY)	13.27%	8.36%	11.93%	-2.44%	-6.12%
Revenues Before Loan Losses	32.11	25.69	23.47	20.54	18.36
Provision for Loan Losses	1.03	0.5	0.29	0.37	0.56
Revenue	31.08	25.19	23.18	20.17	17.8
Revenue Growth (YoY)	23.40%	8.65%	14.95%	13.33%	10.84%
Salaries and Employee Benefits	11.72	10.07	9.48	7.68	7.36
Occupancy Expenses	2.72	2.54	2.16	1.54	1.44
Federal Deposit Insurance	-	-	-	-	0.3
Selling, General & Administrative	1.44	1.22	1.11	1.03	1.05
Other Non-Interest Expense	3.15	3.25	2.59	2.22	2.06
Total Non-Interest Expense	19.02	17.06	15.35	12.46	12.21
EBT Excluding Unusual Items	12.06	8.13	7.84	7.71	5.59
Pretax Income	12.06	8.13	7.84	7.71	5.59
Income Tax Expense	2.7	1.97	1.63	1.62	1.22
Net Income	9.36	6.16	6.21	6.09	4.37
Net Income to Common	9.36	6.16	6.21	6.09	4.37
Net Income Growth	51.99%	-0.84%	1.89%	39.42%	20.02%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	0.13%	-0.12%	0.07%	0.13%	-0.04%
EPS (Basic)	8.44	5.56	5.60	5.50	3.95
EPS (Diluted)	8.44	5.56	5.60	5.50	3.95
EPS Growth	51.80%	-0.71%	1.82%	39.24%	20.06%
Dividend Per Share	0.300	1.050	-	0.600	0.420
Dividend Growth	-71.43%	-	-	42.86%	13.51%
Effective Tax Rate	22.41%	24.22%	20.78%	20.98%	21.77%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.