Lyons Bancorp Inc. (LYBC)

Lyons 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	73.55	61.96	49.99	45.74	41.58
Interest Income on Investments	-	11.68	10.05	6.93	5.99	4.97
Total Interest Income	-	85.23	72	56.92	51.74	46.55
Interest Paid on Deposits	-	33.94	22.14	4.19	3.3	6.52
Interest Paid on Borrowings	-	4.29	2.01	1.56	0.9	0.51
Total Interest Expense	-	38.23	24.14	5.75	4.2	7.03
Net Interest Income	54	47	47.86	51.17	47.54	39.51
Net Interest Income Growth (YoY)	18.29%	-1.79%	-6.46%	7.64%	20.30%	8.51%
Gain (Loss) on Sale of Investments	-	-0.07	-0.03	-	-0.59	0.22
Other Non-Interest Income	11.93	11.08	9.87	9.06	9.29	8.56
Total Non-Interest Income	18	17.13	14.88	13.36	14.68	16.83
Non-Interest Income Growth (YoY)	11.01%	15.14%	11.37%	-9.00%	-12.77%	37.88%
Revenues Before Loan Losses	72	64.13	62.74	64.53	62.22	56.34
Provision for Loan Losses	1.83	1.88	1.04	3.5	1.34	6.26
Revenue	70.16	62.25	61.7	61.03	60.88	50.08
Revenue Growth (YoY)	16.80%	0.89%	1.10%	0.25%	21.55%	8.22%
Salaries and Employee Benefits	23.2	23.2	21.32	21.9	22.94	21.37
Occupancy Expenses	3.3	3.3	3.19	-	-	-
Federal Deposit Insurance	1.38	1.38	1.23	0.89	1.04	0.79
Selling, General & Administrative	8.32	8.32	7.74	10.27	10.87	9.51
Other Non-Interest Expense	9.16	5.96	5.65	6.12	6.7	5.54
Total Non-Interest Expense	45.35	42.15	39.14	39.17	41.54	37.21
EBT Excluding Unusual Items	24.82	20.1	22.56	21.85	19.34	12.88
Asset Writedown	-	-	-	-	-	-0.39
Pretax Income	24.82	20.1	22.56	21.85	19.34	12.49
Income Tax Expense	6.12	4.63	5.2	4.65	3.81	2.21
Earnings From Continuing Operations	18.7	15.47	17.36	17.21	15.53	10.27
Minority Interest in Earnings	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Net Income	18.7	15.46	17.35	17.2	15.52	10.27
Preferred Dividends & Other Adjustments	0.24	0.24	0.25	0.25	0.25	0.25
Net Income to Common	18.46	15.22	17.1	16.95	15.27	10.02
Net Income Growth	18.69%	-10.89%	0.87%	10.82%	51.19%	-6.70%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	4	4	4	4	3	3
Shares Change (YoY)	-0.46%	-0.32%	0.04%	5.35%	2.09%	-0.34%
EPS (Basic)	5.42	4.46	5.00	4.96	4.71	3.16
EPS (Diluted)	5.31	4.38	4.90	4.86	4.62	3.12
EPS Growth	19.36%	-10.60%	0.83%	5.19%	48.09%	-6.38%
Dividend Per Share	1.660	1.550	1.400	1.380	1.240	1.240
Dividend Growth	10.67%	10.71%	1.45%	11.29%	-	1.64%
Effective Tax Rate	24.64%	23.02%	23.05%	21.25%	19.70%	17.72%

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