Lyons 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 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	73.55	61.96	49.99	45.74
Interest Income on Investments	-	11.68	10.05	6.93	5.99
Total Interest Income	-	85.23	72	56.92	51.74
Interest Paid on Deposits	-	33.94	22.14	4.19	3.3
Interest Paid on Borrowings	-	4.29	2.01	1.56	0.9
Total Interest Expense	-	38.23	24.14	5.75	4.2
Net Interest Income	57.05	47	47.86	51.17	47.54
Net Interest Income Growth (YoY)	21.38%	-1.79%	-6.46%	7.64%	20.30%
Gain (Loss) on Sale of Investments	0.01	-0.07	-0.03	-	-0.59
Other Non-Interest Income	15.06	11.08	9.87	9.06	9.29
Total Non-Interest Income	18.07	17.13	14.88	13.36	14.68
Non-Interest Income Growth (YoY)	5.50%	15.14%	11.37%	-9.00%	-12.77%
Revenues Before Loan Losses	75.12	64.13	62.74	64.53	62.22
Provision for Loan Losses	2.5	1.88	1.04	3.5	1.34
Revenue	72.62	62.25	61.7	61.03	60.88
Revenue Growth (YoY)	16.66%	0.89%	1.10%	0.25%	21.55%
Salaries and Employee Benefits	-	23.2	21.32	21.9	22.94
Occupancy Expenses	-	3.3	3.19	-	-
Federal Deposit Insurance	-	1.38	1.23	0.89	1.04
Selling, General & Administrative	-	8.32	7.74	10.27	10.87
Other Non-Interest Expense	45.17	5.96	5.65	6.12	6.7
Total Non-Interest Expense	45.17	42.15	39.14	39.17	41.54
EBT Excluding Unusual Items	27.45	20.1	22.56	21.85	19.34
Pretax Income	27.45	20.1	22.56	21.85	19.34
Income Tax Expense	6.12	4.63	5.2	4.65	3.81
Earnings From Continuing Operations	21.33	15.47	17.36	17.21	15.53
Minority Interest in Earnings	-	-0.01	-0.01	-0.01	-0.01
Net Income	21.33	15.46	17.35	17.2	15.52
Preferred Dividends & Other Adjustments	0.24	0.24	0.25	0.25	0.25
Net Income to Common	21.09	15.22	17.1	16.95	15.27
Net Income Growth	37.91%	-10.89%	0.87%	10.82%	51.19%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	4	4	4	4	3
Shares Change (YoY)	-0.34%	-0.32%	0.04%	5.35%	2.09%
EPS (Basic)	6.20	4.46	5.00	4.96	4.71
EPS (Diluted)	6.06	4.38	4.90	4.86	4.62
EPS Growth	38.38%	-10.60%	0.83%	5.19%	48.09%
Dividend Per Share	1.690	1.550	1.400	1.380	1.240
Dividend Growth	9.03%	10.71%	1.45%	11.29%	-
Effective Tax Rate	22.31%	23.02%	23.05%	21.25%	19.70%

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