Citystate Savings Bank Income Statement

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	339.34	321.01	326.55	269.02	220.16	212.58
Interest Income on Investments	109.14	100.94	74.58	40.88	48.23	39.14
Total Interest Income	448.48	421.95	401.13	309.9	268.39	251.73
Interest Paid on Deposits	172.9	159.66	122.44	77.85	23	20.26
Interest Paid on Borrowings	7.32	8.44	6.55	5.41	5.09	5.31
Total Interest Expense	180.23	168.09	128.99	83.26	28.09	25.57
Net Interest Income	268.25	253.86	272.14	226.63	240.3	226.16
Net Interest Income Growth	1.22%	-6.72%	20.08%	-5.69%	6.25%	14.47%
Gain (Loss) on Sale of Assets	142.15	142.15	-	0.08	-	0.75
Other Non-Interest Income	56.55	195.29	182.79	150.36	118.54	60.99
Total Non-Interest Income	198.7	337.43	182.79	150.44	118.54	61.73
Non-Interest Income Growth	-37.60%	84.60%	21.51%	26.91%	92.02%	-18.58%
Revenues Before Loan Losses	466.95	591.29	454.93	377.07	358.84	287.89
Provision for Loan Losses	-1.33	3.72	10.03	59.21	19.13	-15.22
Revenue	468.28	587.57	444.9	317.86	339.71	303.12
Revenue Growth	-17.70%	32.07%	39.97%	-6.43%	12.07%	10.92%
Salaries and Employee Benefits	171.6	164.4	156.53	152.7	135.46	112.64
Occupancy Expenses	82.49	83.49	91.35	80.3	66.61	56.46
Selling, General & Administrative	98.3	87.7	83.86	71.75	71.77	62.51
Other Non-Interest Expense	104.61	123.82	94.09	100.77	74.71	58.15
Total Non-Interest Expense	457	459.41	425.82	405.53	348.56	289.76
EBT Excluding Unusual Items	11.29	128.16	19.07	-87.67	-8.86	13.36
Legal Settlements	-8.65	-6.74	-4.96	-7.01	-4.24	-2
Other Unusual Items	-	-	2.44	-	-	-
Pretax Income	2.64	121.43	16.55	-94.68	-13.1	11.36
Income Tax Expense	23.01	22.2	15.58	1.74	4.22	9.69
Net Income	-20.37	99.22	0.97	-96.42	-17.32	1.68
Net Income to Common	-20.37	99.22	0.97	-96.42	-17.32	1.68
Net Income Growth	-	10162.78%	-	-	-	-68.47%
Basic Shares Outstanding	166	163	162	156	151	108
Diluted Shares Outstanding	166	163	162	156	151	108
Shares Change	2.33%	0.95%	3.58%	3.72%	38.89%	8.43%
EPS (Basic)	-0.12	0.61	0.01	-0.62	-0.12	0.02
EPS (Diluted)	-0.12	0.61	0.01	-0.62	-0.12	0.02
EPS Growth	-	10067.11%	-	-	-	-70.93%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Effective Tax Rate	873.08%	18.29%	94.16%	-	-	85.23%