Citystate Savings Bank, Inc. (PSE:CSB)

Citystate Savings Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	325.16	326.55	269.02	220.16	212.58	212
Interest Income on Investments	87.41	74.58	40.88	48.23	39.14	27.43
Total Interest Income	412.57	401.13	309.9	268.39	251.73	239.43
Interest Paid on Deposits	129.5	122.44	77.85	23	20.26	34.54
Interest Paid on Borrowings	6.09	6.55	5.41	5.09	5.31	7.32
Total Interest Expense	135.58	128.99	83.26	28.09	25.57	41.86
Net Interest Income	276.98	272.14	226.63	240.3	226.16	197.57
Net Interest Income Growth (YoY)	23.97%	20.08%	-5.69%	6.25%	14.47%	13.18%
Gain (Loss) on Sale of Assets	-	-	-	-	0.75	-
Other Non-Interest Income	307.46	185.23	150.44	118.54	60.99	75.82
Total Non-Interest Income	307.46	185.23	150.44	118.54	61.73	75.82
Non-Interest Income Growth (YoY)	82.41%	23.13%	26.91%	92.02%	-18.58%	-30.26%
Revenues Before Loan Losses	584.44	457.37	377.07	358.84	287.89	273.39
Provision for Loan Losses	14.46	10.03	59.21	19.13	-15.22	0.12
Revenue	569.99	447.34	317.86	339.71	303.12	273.27
Revenue Growth (YoY)	69.04%	40.73%	-6.43%	12.07%	10.92%	-3.31%
Salaries and Employee Benefits	154.3	156.53	152.7	135.46	112.64	86.91
Occupancy Expenses	89.07	91.35	80.3	66.61	56.46	58.89
Selling, General & Administrative	78.86	83.86	71.75	71.77	62.51	57.52
Other Non-Interest Expense	106.91	94.09	100.77	74.71	58.15	53.83
Total Non-Interest Expense	429.14	425.82	405.53	348.56	289.76	257.14
EBT Excluding Unusual Items	140.85	21.51	-87.67	-8.86	13.36	16.13
Legal Settlements	-4.19	-4.96	-7.01	-4.24	-2	-2.82
Pretax Income	136.66	16.55	-94.68	-13.1	11.36	13.31
Income Tax Expense	17.82	15.58	1.74	4.22	9.69	7.99
Net Income	118.84	0.97	-96.42	-17.32	1.68	5.32
Net Income to Common	118.84	0.97	-96.42	-17.32	1.68	5.32
Net Income Growth	-	-	-	-	-68.47%	-
Basic Shares Outstanding	162	162	156	151	108	100
Diluted Shares Outstanding	162	162	156	151	108	100
Shares Change (YoY)	11.60%	3.40%	3.90%	38.89%	8.43%	-
EPS (Basic)	0.73	0.01	-0.62	-0.12	0.02	0.05
EPS (Diluted)	0.73	0.01	-0.62	-0.12	0.02	0.05
EPS Growth	-	-	-	-	-70.93%	-
Effective Tax Rate	13.04%	94.16%	-	-	85.23%	60.01%

Updated Oct 30, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.