Neffs 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	12.67	11.36	10.22	8.73	8.86
Interest Income on Investments	5.93	5.96	5.79	5.53	4.42
Total Interest Income	18.61	17.31	16.01	14.26	13.28
Interest Paid on Deposits	6.16	6.79	4.56	1.6	1.91
Interest Paid on Borrowings	1.4	0.7	0.92	0.32	0.24
Total Interest Expense	7.56	7.5	5.48	1.92	2.15
Net Interest Income	11.04	9.82	10.53	12.34	11.13
Net Interest Income Growth (YoY)	12.51%	-6.77%	-14.70%	10.87%	8.56%
Other Non-Interest Income	0.22	0.22	0.21	0.21	0.18
Total Non-Interest Income	0.34	0.33	0.31	0.3	0.24
Non-Interest Income Growth (YoY)	1.50%	7.40%	4.71%	21.72%	43.53%
Revenues Before Loan Losses	11.38	10.15	10.84	12.64	11.38
Provision for Loan Losses	0.02	-0	0.06	-	-
Revenue	11.36	10.15	10.78	12.64	11.38
Revenue Growth (YoY)	11.93%	-5.85%	-14.71%	11.10%	11.42%
Salaries and Employee Benefits	5	4.57	4.38	4.23	3.82
Federal Deposit Insurance	0.19	0.19	0.19	0.12	0.11
Selling, General & Administrative	1.12	1.05	1.06	1.07	0.93
Other Non-Interest Expense	2.26	2.09	2.09	2.22	2.01
Total Non-Interest Expense	8.57	7.9	7.72	7.54	6.88
EBT Excluding Unusual Items	2.79	2.25	3.07	5.1	4.5
Pretax Income	2.79	2.25	3.07	5.1	4.5
Income Tax Expense	-0.01	0.01	0.16	0.57	0.47
Net Income	2.8	2.24	2.9	4.53	4.04
Preferred Dividends & Other Adjustments	0.05	0.05	0.06	0.05	0.05
Net Income to Common	2.75	2.19	2.85	4.48	3.99
Net Income Growth	24.97%	-22.73%	-35.89%	12.19%	12.42%
Basic Shares Outstanding	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0
Shares Change (YoY)	0.47%	-5.81%	-1.70%	-1.05%	0.03%
EPS (Basic)	18.88	15.11	18.48	28.56	25.16
EPS (Diluted)	18.88	15.11	18.48	28.56	25.16
EPS Growth	24.93%	-18.21%	-35.32%	13.53%	12.56%
Dividend Per Share	8.300	8.300	8.300	8.300	8.200
Dividend Growth	-	-	-	1.22%	2.50%
Effective Tax Rate	-	0.40%	5.29%	11.16%	10.35%