Pinnacle Bankshares 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	Mar '26 Mar 31, 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	43.08	42.39	37.83	32.41	25.93	25.2
Interest Income on Investments	8.87	8.87	9.91	9.48	5.86	1.61
Total Interest Income	51.95	51.26	47.74	41.89	31.79	26.82
Interest Paid on Deposits	10.95	11.14	12.3	8.72	1.35	1.73
Total Interest Expense	10.95	11.14	12.3	8.72	1.35	1.73
Net Interest Income	41	40.12	35.45	33.17	30.44	25.09
Net Interest Income Growth (YoY)	12.28%	13.19%	6.86%	8.97%	21.33%	37.33%
Mortgage Banking Activities	0.43	0.43	0.38	0.22	0.63	1.27
Other Non-Interest Income	3.95	3.79	4.04	4.23	2.89	3.05
Total Non-Interest Income	7.96	7.79	7.88	7.96	7.02	7.19
Non-Interest Income Growth (YoY)	-0.53%	-1.10%	-1.07%	13.40%	-2.28%	20.22%
Revenues Before Loan Losses	48.96	47.92	43.33	41.14	37.46	32.28
Provision for Loan Losses	0.35	0.31	0.75	0.07	0.19	0.23
Revenue	48.61	47.61	42.58	41.07	37.27	32.04
Revenue Growth (YoY)	11.12%	11.82%	3.67%	10.18%	16.32%	33.54%
Salaries and Employee Benefits	17.99	17.99	16.06	15.28	14.53	14.54
Federal Deposit Insurance	0.61	0.61	0.58	0.61	0.6	0.48
Selling, General & Administrative	5.43	5.43	4.63	4.5	4.02	4.24
Other Non-Interest Expense	10.48	10.27	10.15	8.9	8.09	7.12
Total Non-Interest Expense	34.51	34.31	31.42	29.28	27.24	26.38
EBT Excluding Unusual Items	14.1	13.3	11.16	11.79	10.04	5.66
Pretax Income	14.1	13.3	11.16	11.79	10.04	5.22
Income Tax Expense	2.53	2.53	1.98	2.02	1.79	0.84
Net Income	11.57	10.77	9.18	9.76	8.24	4.38
Net Income to Common	11.57	10.77	9.18	9.76	8.24	4.38
Net Income Growth	23.70%	17.37%	-5.98%	18.44%	88.39%	42.88%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	0.06%	0.48%	0.78%	0.65%	0.47%	30.55%
EPS (Basic)	5.22	4.85	4.15	4.45	3.78	2.02
EPS (Diluted)	5.22	4.85	4.15	4.45	3.78	2.02
EPS Growth	23.62%	16.80%	-6.75%	17.72%	87.18%	9.75%
Dividend Per Share	0.810	1.060	1.000	0.850	0.610	0.560
Dividend Growth	-19.00%	6.00%	17.65%	39.34%	8.93%	-
Effective Tax Rate	17.94%	19.02%	17.75%	17.17%	17.88%	16.14%