Community Bancorp (CMTV)

Community Bancorp Income Statement

Financials in millions USD. 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	54.25	49.62	41.82	32.56	33.07	31.61
Interest Income on Investments	5.52	5.38	5.08	4.56	1.72	1.45
Total Interest Income	59.77	55	46.9	37.11	34.79	33.06
Interest Paid on Deposits	15.92	14.12	9.34	3.2	2.57	4.1
Interest Paid on Borrowings	4.49	6.25	3.35	0.83	0.55	0.75
Total Interest Expense	20.41	20.37	12.69	4.03	3.12	4.85
Net Interest Income	39.35	34.63	34.21	33.08	31.67	28.22
Net Interest Income Growth (YoY)	15.38%	1.23%	3.40%	4.47%	12.24%	10.15%
Gain (Loss) on Sale of Investments	-	-	0.04	-	-	0.04
Gain (Loss) on Sale of Equity Investments	1.63	1.22	1.03	0.58	0.95	0.68
Other Non-Interest Income	5.51	5.59	5.64	5.45	4.83	4.58
Total Non-Interest Income	7.5	7.18	7.18	6.64	6.73	6.77
Non-Interest Income Growth (YoY)	3.05%	0.10%	8.01%	-1.35%	-0.56%	13.89%
Revenues Before Loan Losses	46.86	41.81	41.38	39.73	38.4	34.99
Provision for Loan Losses	1.02	1.13	1.48	0.98	0.62	1.59
Revenue	45.84	40.68	39.9	38.75	37.78	33.4
Revenue Growth (YoY)	15.72%	1.95%	2.98%	2.57%	13.12%	9.52%
Salaries and Employee Benefits	13.46	13.23	12.23	11.09	11.15	10.68
Occupancy Expenses	2.74	2.51	2.59	2.58	2.58	2.4
Selling, General & Administrative	0.7	0.7	0.7	0.72	0.7	0.7
Other Non-Interest Expense	9.26	9.03	8.06	7.48	7.23	6.61
Total Non-Interest Expense	26.16	25.48	23.58	21.87	21.66	20.39
EBT Excluding Unusual Items	19.68	15.2	16.33	16.88	16.12	13.01
Pretax Income	19.68	15.2	16.33	16.88	16.12	13.01
Income Tax Expense	3.25	2.44	2.9	3.14	2.98	2.25
Net Income	16.43	12.76	13.43	13.74	13.14	10.76
Preferred Dividends & Other Adjustments	0.11	0.13	0.12	0.07	0.05	0.05
Net Income to Common	16.32	12.64	13.31	13.67	13.09	10.7
Net Income Growth	34.69%	-4.97%	-2.24%	4.58%	22.12%	21.92%
Basic Shares Outstanding	6	6	5	5	5	5
Diluted Shares Outstanding	6	6	5	5	5	5
Shares Change (YoY)	1.28%	1.49%	1.25%	1.08%	1.35%	1.34%
EPS (Basic)	2.91	2.28	2.43	2.53	2.45	2.03
EPS (Diluted)	2.91	2.28	2.43	2.53	2.45	2.03
EPS Growth	33.46%	-6.44%	-3.85%	3.34%	20.66%	20.89%
Dividend Per Share	0.970	0.940	0.920	0.920	0.880	0.760
Dividend Growth	4.30%	2.17%	-	4.54%	15.79%	-
Effective Tax Rate	16.49%	16.04%	17.73%	18.58%	18.50%	17.28%

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