Skyline 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	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	66.79	62.16	49.97	39.88	32.69	33.09
Interest Income on Investments	3.04	3.59	3.56	3.49	3.88	1.67
Total Interest Income	69.83	65.75	53.54	43.37	36.57	34.76
Interest Paid on Deposits	13.73	14.13	12.65	6.62	1.74	2.34
Interest Paid on Borrowings	0.63	1.22	1.42	1.15	0.19	0.09
Total Interest Expense	14.36	15.35	14.07	7.77	1.93	2.43
Net Interest Income	55.47	50.4	39.47	35.6	34.64	32.33
Net Interest Income Growth	14.04%	27.68%	10.88%	2.77%	7.15%	14.21%
Gain (Loss) on Sale of Assets	-	-	-	0.2	-	-
Gain (Loss) on Sale of Investments	-0	-	-0.14	-0.02	-0.01	0.27
Other Non-Interest Income	5.91	5.28	5.11	4.6	4.36	4.37
Total Non-Interest Income	8.65	7.79	7.29	6.97	6.26	6.18
Non-Interest Income Growth	12.12%	6.86%	4.52%	11.39%	1.33%	16.57%
Revenues Before Loan Losses	64.12	58.18	46.76	42.57	40.89	38.5
Provision for Loan Losses	0.95	0.87	1.12	-0.05	0.61	0.72
Revenue	63.17	57.31	45.64	42.62	40.29	37.78
Revenue Growth	13.84%	25.58%	7.09%	5.78%	6.64%	16.56%
Salaries and Employee Benefits	19.96	18.97	17.39	16.45	14.64	14.53
Occupancy Expenses	3.67	3.3	3.24	2.93	2.52	1.94
Federal Deposit Insurance	0.88	0.96	0.72	0.59	0.43	0.43
Amortization of Goodwill & Intangibles	0.67	0.77	0.48	0.37	0.48	0.6
Selling, General & Administrative	9.62	9.56	8.41	6.98	6.22	5.96
Other Non-Interest Expense	4.07	3.72	3.61	3.22	3.2	2.82
Total Non-Interest Expense	38.86	37.28	33.86	30.54	27.49	26.27
EBT Excluding Unusual Items	24.31	20.03	11.78	12.08	12.8	11.51
Other Unusual Items	-	-	-	-	-	0.39
Pretax Income	24.31	20.03	9.36	12.08	12.8	11.91
Income Tax Expense	5.25	4.19	1.93	2.38	2.52	2.42
Net Income	19.05	15.84	7.43	9.7	10.28	9.48
Net Income to Common	19.05	15.84	7.43	9.7	10.28	9.48
Net Income Growth	36.54%	113.36%	-23.45%	-5.65%	8.43%	61.56%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change	0.58%	0.51%	-0.40%	-0.16%	-6.36%	-1.78%
EPS (Basic)	3.40	2.84	1.34	1.74	1.84	1.59
EPS (Diluted)	3.40	2.84	1.34	1.74	1.84	1.59
EPS Growth	35.75%	112.28%	-23.14%	-5.50%	15.79%	64.49%

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	0.620	0.570	0.480	0.440	0.380	0.290
Dividend Growth	19.23%	18.75%	9.09%	15.79%	31.03%	11.54%
Effective Tax Rate	21.62%	20.92%	20.66%	19.68%	19.68%	20.35%