Seneca Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest Income on Loans	12.16	11.63	9.63	7.53	7.57	7.81	Upgrade
Interest Income on Investments	2.13	1.73	1.73	1.38	0.94	0.94	Upgrade
Total Interest Income	14.29	13.36	11.36	8.91	8.51	8.75	Upgrade
Interest Paid on Deposits	4.05	3.84	2.57	0.58	0.38	1.07	Upgrade
Interest Paid on Borrowings	1.47	1.39	1.03	0.46	0.56	0.76	Upgrade
Total Interest Expense	5.52	5.23	3.6	1.04	0.94	1.83	Upgrade
Net Interest Income	8.77	8.13	7.76	7.87	7.57	6.92	Upgrade
Net Interest Income Growth (YoY)	10.75%	4.79%	-1.39%	3.96%	9.41%	11.68%	Upgrade
Gain (Loss) on Sale of Assets	-	0.01	-	-	-0.01	-0.01	Upgrade
Gain (Loss) on Sale of Investments	-	-	-0.05	0.01	0.03	0.05	Upgrade
Other Non-Interest Income	1.93	1.77	1.44	1.37	1.01	0.74	Upgrade
Total Non-Interest Income	2.07	1.87	1.45	1.4	1.16	1	Upgrade
Non-Interest Income Growth (YoY)	11.46%	28.87%	3.13%	21.24%	15.34%	17.43%	Upgrade
Revenues Before Loan Losses	10.84	10	9.21	9.28	8.73	7.92	Upgrade
Provision for Loan Losses	0.99	0.31	0.28	0.02	0.3	0.73	Upgrade
Revenue	9.85	9.69	8.94	9.26	8.43	7.19	Upgrade
Revenue Growth (YoY)	1.41%	8.49%	-3.46%	9.80%	17.17%	5.65%	Upgrade
Salaries and Employee Benefits	5.13	4.81	4.16	3.8	3.45	3.15	Upgrade
Occupancy Expenses	0.86	0.77	0.76	0.81	0.74	0.66	Upgrade
Federal Deposit Insurance	0.13	0.12	0.09	0.05	0.04	0.08	Upgrade
Selling, General & Administrative	1.17	1.02	0.99	0.98	0.86	0.94	Upgrade
Other Non-Interest Expense	2.27	2.17	2.04	1.66	1.19	1.13	Upgrade
Total Non-Interest Expense	9.56	8.88	8.04	7.31	6.28	6.13	Upgrade
EBT Excluding Unusual Items	0.28	0.82	0.89	1.95	2.15	1.06	Upgrade
Pretax Income	0.28	0.82	0.89	1.95	2.15	1.06	Upgrade
Income Tax Expense	0.04	0.1	0.14	0.33	0.37	0.16	Upgrade
Net Income	0.24	0.71	0.76	1.62	1.78	0.9	Upgrade
Net Income to Common	0.24	0.71	0.76	1.62	1.78	0.9	Upgrade
Net Income Growth	-70.53%	-5.70%	-53.48%	-8.82%	97.34%	-19.25%	Upgrade
Basic Shares Outstanding	2	2	2	2	2	2	Upgrade
Diluted Shares Outstanding	2	2	2	2	2	2	Upgrade
Shares Change (YoY)	-0.80%	-1.63%	-1.65%	-1.25%	-0.56%	-0.60%	Upgrade
EPS (Basic)	0.14	0.42	0.44	0.92	1.00	0.50	Upgrade
EPS (Diluted)	0.13	0.41	0.43	0.92	1.00	0.50	Upgrade
EPS Growth	-71.13%	-4.75%	-52.81%	-7.94%	98.59%	-18.76%	Upgrade
Effective Tax Rate	15.25%	12.75%	15.55%	16.77%	17.29%	15.15%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.