Lyons Bancorp Inc. (LYBC)

Lyons Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	59.69	57.05	47	47.86	51.17	47.54
Net Interest Income Growth (YoY)	23.02%	21.38%	-1.79%	-6.46%	7.64%	20.30%
Gain (Loss) on Sale of Investments	0.01	0.01	-0.07	-0.03	-	-0.59
Other Non-Interest Income	15.44	15.06	11.08	9.87	9.06	9.29
Total Non-Interest Income	18.85	18.07	17.13	14.88	13.36	14.68
Non-Interest Income Growth (YoY)	8.95%	5.50%	15.14%	11.37%	-9.00%	-12.77%
Revenues Before Loan Losses	78.54	75.12	64.13	62.74	64.53	62.22
Provision for Loan Losses	2.68	2.5	1.88	1.04	3.5	1.34
Revenue	75.86	72.62	62.25	61.7	61.03	60.88
Revenue Growth (YoY)	18.41%	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	46.66	45.17	5.96	5.65	6.12	6.7
Total Non-Interest Expense	46.66	45.17	42.15	39.14	39.17	41.54
EBT Excluding Unusual Items	29.2	27.45	20.1	22.56	21.85	19.34
Pretax Income	29.2	27.45	20.1	22.56	21.85	19.34
Income Tax Expense	6.58	6.12	4.63	5.2	4.65	3.81
Earnings From Continuing Operations	22.62	21.33	15.47	17.36	17.21	15.53
Minority Interest in Earnings	-	-	-0.01	-0.01	-0.01	-0.01
Net Income	22.62	21.33	15.46	17.35	17.2	15.52
Preferred Dividends & Other Adjustments	0.24	0.24	0.24	0.25	0.25	0.25
Net Income to Common	22.38	21.09	15.22	17.1	16.95	15.27
Net Income Growth	42.22%	37.91%	-10.89%	0.87%	10.82%	51.19%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	4	4	4	4	4	3
Shares Change (YoY)	-0.21%	-0.34%	-0.32%	0.04%	5.35%	2.09%
EPS (Basic)	6.58	6.20	4.46	5.00	4.96	4.71
EPS (Diluted)	6.43	6.06	4.38	4.90	4.86	4.62
EPS Growth	42.51%	38.38%	-10.60%	0.83%	5.19%	48.09%
Dividend Per Share	1.720	1.690	1.550	1.400	1.380	1.240
Dividend Growth	7.50%	9.03%	10.71%	1.45%	11.29%	-
Effective Tax Rate	22.54%	22.31%	23.02%	23.05%	21.25%	19.70%

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