Lyons Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	64.96	57.05	47	47.86	51.17	47.54
Net Interest Income Growth	20.31%	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	16.12	15.06	11.08	9.87	9.06	9.29
Total Non-Interest Income	19.38	18.07	17.13	14.88	13.36	14.68
Non-Interest Income Growth	7.65%	5.50%	15.14%	11.37%	-9.00%	-12.77%
Revenues Before Loan Losses	84.34	75.12	64.13	62.74	64.53	62.22
Provision for Loan Losses	2.87	2.5	1.88	1.04	3.5	1.34
Revenue	81.47	72.62	62.25	61.7	61.03	60.88
Revenue Growth	16.11%	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	49.12	45.17	5.96	5.65	6.12	6.7
Total Non-Interest Expense	49.12	45.17	42.15	39.14	39.17	41.54
EBT Excluding Unusual Items	32.35	27.45	20.1	22.56	21.85	19.34
Pretax Income	32.35	27.45	20.1	22.56	21.85	19.34
Income Tax Expense	7.3	6.12	4.63	5.2	4.65	3.81
Earnings From Continuing Operations	25.06	21.33	15.47	17.36	17.21	15.53
Minority Interest in Earnings	-	-	-0.01	-0.01	-0.01	-0.01
Net Income	25.06	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	24.82	21.09	15.22	17.1	16.95	15.27
Net Income Growth	34.47%	38.53%	-11.01%	0.89%	11.00%	52.47%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	4	4	4	4	4	3
Shares Change	-0.12%	-0.34%	-0.32%	0.04%	5.35%	2.09%
EPS (Basic)	7.30	6.20	4.46	5.00	4.96	4.71
EPS (Diluted)	7.13	6.06	4.38	4.90	4.86	4.62
EPS Growth	34.18%	38.38%	-10.60%	0.83%	5.19%	48.09%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	1.860	1.690	1.550	1.400	1.380	1.240
Dividend Growth	12.05%	9.03%	10.71%	1.45%	11.29%	0%
Effective Tax Rate	22.55%	22.31%	23.02%	23.05%	21.25%	19.70%