Hypothekarbank Lenzburg AG (SWX: HBLN)

HBLN Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	111.93	100.84	55.95	52.81	55.09	57.27
Interest Income on Investments	9.51	8.41	7.39	6.17	6.25	6.74
Total Interest Income	121.44	109.25	63.34	58.98	61.34	64
Interest Paid on Deposits	35.25	22.81	3.18	1.84	4.52	8.67
Net Interest Income	86.19	86.44	60.17	57.14	56.82	55.33
Net Interest Income Growth (YoY)	19.55%	43.67%	5.29%	0.57%	2.69%	0.52%
Income From Trading Activities	3.91	3.79	4.03	3.31	2.9	2.62
Gain (Loss) on Sale of Investments	-1.22	-	0.68	6.56	5.07	3.64
Gain (Loss) on Sale of Equity Investments	0.59	0.59	0.51	-	-	-
Other Non-Interest Income	22.86	22.8	21.29	22.74	20.04	19.42
Total Non-Interest Income	26.36	27.37	26.64	32.84	28.23	25.81
Non-Interest Income Growth (YoY)	-0.02%	2.74%	-18.89%	16.33%	9.40%	15.37%
Revenues Before Loan Losses	112.54	113.81	86.8	89.98	85.05	81.14
Provision for Loan Losses	2.59	2.73	-1.01	-0.78	0.08	-1.62
Revenue	109.95	111.08	87.82	90.76	84.97	82.76
Revenue Growth (YoY)	12.49%	26.49%	-3.24%	6.82%	2.67%	3.17%
Salaries and Employee Benefits	45.68	42.37	38.17	35.44	34.76	32.96
Occupancy Expenses	7.38	7.38	4.75	14.09	12.68	9.71
Selling, General & Administrative	27.65	25.95	20.37	19.49	16.33	14.33
Other Non-Interest Expense	5.27	9.86	3.19	0.03	0.36	0.79
Total Non-Interest Expense	85.98	85.56	66.48	69.04	64.13	57.78
EBT Excluding Unusual Items	23.97	25.52	21.34	21.72	20.84	24.98
Other Unusual Items	-	-	0.25	-	-	0.15
Pretax Income	23.97	25.52	21.59	21.72	20.84	25.13
Income Tax Expense	3.87	4.24	3.56	3.47	2.77	4.08
Net Income	20.11	21.28	18.03	18.25	18.08	21.05
Net Income to Common	20.11	21.28	18.03	18.25	18.08	21.05
Net Income Growth	2.45%	18.04%	-1.21%	0.96%	-14.12%	1.03%
Basic Shares Outstanding	-	0	0	0	0	0
Diluted Shares Outstanding	-	0	0	0	0	0
Shares Change (YoY)	-	-0.07%	0.05%	0.08%	-0.39%	-
EPS (Basic)	-	296.58	251.08	254.27	252.06	292.33
EPS (Diluted)	-	296.58	251.08	254.27	252.06	292.33
EPS Growth	-	18.12%	-1.25%	0.88%	-13.78%	1.03%
Dividend Per Share	-	120.000	115.000	115.000	110.000	110.000
Dividend Growth	-	4.35%	0%	4.55%	0%	0%
Effective Tax Rate	16.13%	16.61%	16.48%	15.98%	13.27%	16.24%

Source: S&P Capital IQ. Banks template. Financial Sources.