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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	317.02	326.55	269.02	220.16	212.58	212
Interest Income on Investments	109.67	74.58	40.88	48.23	39.14	27.43
Total Interest Income	426.68	401.13	309.9	268.39	251.73	239.43
Interest Paid on Deposits	151.12	122.44	77.85	23	20.26	34.54
Interest Paid on Borrowings	7.32	6.55	5.41	5.09	5.31	7.32
Total Interest Expense	158.44	128.99	83.26	28.09	25.57	41.86
Net Interest Income	268.24	272.14	226.63	240.3	226.16	197.57
Net Interest Income Growth (YoY)	10.67%	20.08%	-5.69%	6.25%	14.47%	13.18%
Gain (Loss) on Sale of Assets	-	-	-	-	0.75	-
Other Non-Interest Income	349.75	185.23	150.44	118.54	60.99	75.82
Total Non-Interest Income	349.75	185.23	150.44	118.54	61.73	75.82
Non-Interest Income Growth (YoY)	148.20%	23.13%	26.91%	92.02%	-18.58%	-30.26%
Revenues Before Loan Losses	618	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	603.54	447.34	317.86	339.71	303.12	273.27
Revenue Growth (YoY)	97.39%	40.73%	-6.43%	12.07%	10.92%	-3.31%
Salaries and Employee Benefits	153.46	156.53	152.7	135.46	112.64	86.91
Occupancy Expenses	87.03	91.35	80.3	66.61	56.46	58.89
Selling, General & Administrative	81.27	83.86	71.75	71.77	62.51	57.52
Other Non-Interest Expense	112.49	94.09	100.77	74.71	58.15	53.83
Total Non-Interest Expense	434.26	425.82	405.53	348.56	289.76	257.14
EBT Excluding Unusual Items	169.28	21.51	-87.67	-8.86	13.36	16.13
Legal Settlements	-4.46	-4.96	-7.01	-4.24	-2	-2.82
Pretax Income	164.83	16.55	-94.68	-13.1	11.36	13.31
Income Tax Expense	19.97	15.58	1.74	4.22	9.69	7.99
Net Income	144.85	0.97	-96.42	-17.32	1.68	5.32
Net Income to Common	144.85	0.97	-96.42	-17.32	1.68	5.32
Net Income Growth	-	-	-	-	-68.47%	-
Basic Shares Outstanding	164	162	156	151	108	100
Diluted Shares Outstanding	164	162	156	151	108	100
Shares Change (YoY)	0.90%	3.40%	3.90%	38.89%	8.43%	-
EPS (Basic)	0.88	0.01	-0.62	-0.12	0.02	0.05
EPS (Diluted)	0.88	0.01	-0.62	-0.12	0.02	0.05
EPS Growth	-	-	-	-	-70.93%	-
Effective Tax Rate	12.12%	94.16%	-	-	85.23%	60.01%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.