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	Jun 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	51.1	47	47.86	51.17	47.54	39.51
Net Interest Income Growth (YoY)	12.24%	-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	11.28	11.08	9.87	9.06	9.29	8.56
Total Non-Interest Income	17.49	17.13	14.88	13.36	14.68	16.83
Non-Interest Income Growth (YoY)	12.70%	15.14%	11.37%	-9.00%	-12.77%	37.88%
Revenues Before Loan Losses	68.59	64.13	62.74	64.53	62.22	56.34
Provision for Loan Losses	1.81	1.88	1.04	3.5	1.34	6.26
Revenue	66.77	62.25	61.7	61.03	60.88	50.08
Revenue Growth (YoY)	12.04%	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	8.09	5.96	5.65	6.12	6.7	5.54
Total Non-Interest Expense	44.28	42.15	39.14	39.17	41.54	37.21
EBT Excluding Unusual Items	22.49	20.1	22.56	21.85	19.34	12.88
Asset Writedown	-	-	-	-	-	-0.39
Pretax Income	22.49	20.1	22.56	21.85	19.34	12.49
Income Tax Expense	5.28	4.63	5.2	4.65	3.81	2.21
Earnings From Continuing Operations	17.22	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	17.21	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	16.97	15.22	17.1	16.95	15.27	10.02
Net Income Growth	5.56%	-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)	-0.52%	-0.32%	0.04%	5.35%	2.09%	-0.34%
EPS (Basic)	4.98	4.46	5.00	4.96	4.71	3.16
EPS (Diluted)	4.89	4.38	4.90	4.86	4.62	3.12
EPS Growth	6.26%	-10.60%	0.83%	5.19%	48.09%	-6.38%
Dividend Per Share	1.630	1.550	1.400	1.380	1.240	1.240
Dividend Growth	12.41%	10.71%	1.45%	11.29%	-	1.64%
Effective Tax Rate	23.46%	23.02%	23.05%	21.25%	19.70%	17.72%

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