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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	309.8	326.55	269.02	220.16	212.58	212
Interest Income on Investments	101.26	74.58	40.88	48.23	39.14	27.43
Total Interest Income	411.06	401.13	309.9	268.39	251.73	239.43
Interest Paid on Deposits	138.72	122.44	77.85	23	20.26	34.54
Interest Paid on Borrowings	7.33	6.55	5.41	5.09	5.31	7.32
Total Interest Expense	146.05	128.99	83.26	28.09	25.57	41.86
Net Interest Income	265.01	272.14	226.63	240.3	226.16	197.57
Net Interest Income Growth (YoY)	11.15%	20.08%	-5.69%	6.25%	14.47%	13.18%
Gain (Loss) on Sale of Assets	-	-	-	-	0.75	-
Other Non-Interest Income	320.86	185.23	150.44	118.54	60.99	75.82
Total Non-Interest Income	320.86	185.23	150.44	118.54	61.73	75.82
Non-Interest Income Growth (YoY)	81.21%	23.13%	26.91%	92.02%	-18.58%	-30.26%
Revenues Before Loan Losses	585.87	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	571.42	447.34	317.86	339.71	303.12	273.27
Revenue Growth (YoY)	65.73%	40.73%	-6.43%	12.07%	10.92%	-3.31%
Salaries and Employee Benefits	151.39	156.53	152.7	135.46	112.64	86.91
Occupancy Expenses	90.39	91.35	80.3	66.61	56.46	58.89
Selling, General & Administrative	77.17	83.86	71.75	71.77	62.51	57.52
Other Non-Interest Expense	111.82	94.09	100.77	74.71	58.15	53.83
Total Non-Interest Expense	430.78	425.82	405.53	348.56	289.76	257.14
EBT Excluding Unusual Items	140.64	21.51	-87.67	-8.86	13.36	16.13
Legal Settlements	-3.88	-4.96	-7.01	-4.24	-2	-2.82
Pretax Income	136.76	16.55	-94.68	-13.1	11.36	13.31
Income Tax Expense	19.83	15.58	1.74	4.22	9.69	7.99
Net Income	116.93	0.97	-96.42	-17.32	1.68	5.32
Net Income to Common	116.93	0.97	-96.42	-17.32	1.68	5.32
Net Income Growth	-	-	-	-	-68.47%	-
Basic Shares Outstanding	163	162	156	151	108	100
Diluted Shares Outstanding	163	162	156	151	108	100
Shares Change (YoY)	3.48%	3.40%	3.90%	38.89%	8.43%	-
EPS (Basic)	0.72	0.01	-0.62	-0.12	0.02	0.05
EPS (Diluted)	0.72	0.01	-0.62	-0.12	0.02	0.05
EPS Growth	-	-	-	-	-70.93%	-
Effective Tax Rate	14.50%	94.16%	-	-	85.23%	60.01%

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