CoastalSouth Bancshares Income Statement

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

Millions USD. 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	113.74	108.79	103.32	91.34	56.37	41.24
Interest Income on Investments	18.29	18.92	20.33	15.68	10.22	4.76
Total Interest Income	132.02	127.71	123.65	107.02	66.58	46
Interest Paid on Deposits	51.34	52.28	53.44	39.3	7.38	3.57
Interest Paid on Borrowings	1.22	1.54	4.88	3.42	2.24	1.19
Total Interest Expense	52.56	53.82	58.33	42.72	9.62	4.75
Net Interest Income	79.46	73.89	65.32	64.29	56.96	41.25
Net Interest Income Growth	16.73%	13.12%	1.60%	12.87%	38.10%	29.25%
Gain (Loss) on Sale of Investments	-0.01	-0.01	-3.47	-0.52	-	-0.06
Other Non-Interest Income	5.7	5.63	5.32	7	4.53	6.04
Total Non-Interest Income	8.56	8.07	4.51	8.59	7.19	9.55
Non-Interest Income Growth	-0.36%	78.80%	-47.48%	19.53%	-24.69%	48.62%
Revenues Before Loan Losses	88.03	81.96	69.84	72.89	64.15	50.79
Provision for Loan Losses	2.86	3.2	0.55	1.54	5.08	1.33
Revenue	85.17	78.77	69.28	71.35	59.07	49.47
Revenue Growth	13.45%	13.69%	-2.89%	20.77%	19.42%	40.93%
Salaries and Employee Benefits	29.89	27.37	24.89	23.48	22.45	21.06
Occupancy Expenses	2.37	2.22	1.9	1.93	1.76	1.66
Federal Deposit Insurance	1.47	1.49	1.29	1.48	1.16	1.01
Selling, General & Administrative	11.33	11.23	10.26	9.96	8.07	8.49
Other Non-Interest Expense	5.48	5.32	3.74	3	1.8	0.98
Total Non-Interest Expense	50.54	47.63	42.07	39.85	35.24	33.57
EBT Excluding Unusual Items	34.64	31.14	27.22	31.5	23.83	15.89
Other Unusual Items	-	-	-	-	-	1.65
Pretax Income	34.64	31.14	27.22	31.5	23.83	15.47
Income Tax Expense	7.1	6.24	5.31	7.02	5.64	3.14
Earnings From Continuing Operations	27.54	24.89	21.9	24.48	18.19	12.32
Net Income	27.54	24.89	21.9	24.48	18.19	12.32
Net Income to Common	27.54	24.89	21.9	24.48	18.19	12.32
Net Income Growth	11.93%	13.64%	-10.52%	34.57%	47.62%	93.50%
Basic Shares Outstanding	12	11	10	9	9	8
Diluted Shares Outstanding	12	12	10	10	9	8
Shares Change	17.02%	10.02%	10.16%	7.36%	6.37%	4.22%
EPS (Basic)	2.30	2.24	2.15	2.61	2.09	1.51
EPS (Diluted)	2.21	2.16	2.09	2.58	2.05	1.48
EPS Growth	-4.71%	3.35%	-18.99%	25.85%	38.51%	85.09%

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	20.49%	20.05%	19.52%	22.28%	23.67%	20.33%