SSB Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	2016 - 2015
Period Ending	Sep '22 Sep 30, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018	Dec '17 Dec 31, 2017	2016 - 2015
Interest Income on Loans	9.55	9.1	8.47	7.53	6.63	6.01	Upgrade
Interest Income on Investments	-	-	-	0.76	0.38	0.21	Upgrade
Total Interest Income	9.55	9.1	8.47	8.29	7.02	6.22	Upgrade
Interest Paid on Deposits	2.36	2.41	3.27	2.93	2.2	1.77	Upgrade
Interest Paid on Borrowings	-	-	-	0.87	0.7	0.54	Upgrade
Total Interest Expense	2.36	2.41	3.27	3.8	2.9	2.32	Upgrade
Net Interest Income	7.18	6.68	5.2	4.48	4.12	3.91	Upgrade
Net Interest Income Growth (YoY)	14.90%	28.64%	15.84%	8.90%	5.40%	18.58%	Upgrade
Gain (Loss) on Sale of Investments	-	-	-	0.05	-	0	Upgrade
Other Non-Interest Income	1.2	1.4	2.32	0.32	0.28	0.18	Upgrade
Total Non-Interest Income	1.2	1.4	2.32	0.72	0.46	0.53	Upgrade
Non-Interest Income Growth (YoY)	-25.65%	-39.52%	219.95%	57.20%	-12.68%	-	Upgrade
Revenues Before Loan Losses	8.39	8.08	7.51	5.21	4.58	4.43	Upgrade
Provision for Loan Losses	0.38	0.48	0.53	0.17	0.15	0.25	Upgrade
Revenue	8	7.61	6.98	5.03	4.43	4.19	Upgrade
Revenue Growth (YoY)	8.61%	8.97%	38.64%	13.69%	5.76%	29.96%	Upgrade
Salaries and Employee Benefits	-	-	-	2.09	1.69	1.45	Upgrade
Federal Deposit Insurance	-	-	-	0.16	0.16	0.13	Upgrade
Selling, General & Administrative	-	-	-	1.61	1.59	0.99	Upgrade
Other Non-Interest Expense	6.51	6.27	5.06	0.56	0.48	0.39	Upgrade
Total Non-Interest Expense	6.51	6.27	5.06	4.49	3.98	3.01	Upgrade
EBT Excluding Unusual Items	1.5	1.34	1.92	0.55	0.44	1.17	Upgrade
Pretax Income	1.5	1.34	1.92	0.55	0.44	1.17	Upgrade
Income Tax Expense	0.28	0.23	0.49	0.11	0.06	0.58	Upgrade
Net Income	1.22	1.11	1.43	0.44	0.38	0.59	Upgrade
Net Income to Common	1.22	1.11	1.43	0.44	0.38	0.59	Upgrade
Net Income Growth	11.00%	-22.66%	227.72%	14.70%	-35.42%	0.16%	Upgrade
Basic Shares Outstanding	2	2	2	2	2	2	Upgrade
Diluted Shares Outstanding	2	2	2	2	2	2	Upgrade
Shares Change (YoY)	-1.59%	0.95%	0.26%	0.38%	-3.82%	-	Upgrade
EPS (Basic)	0.57	0.51	0.66	0.20	0.18	0.26	Upgrade
EPS (Diluted)	0.56	0.50	0.66	0.20	0.18	0.26	Upgrade
EPS Growth	12.17%	-23.91%	228.54%	13.68%	-32.86%	-	Upgrade
Effective Tax Rate	18.49%	17.40%	25.56%	19.99%	14.26%	49.79%	Upgrade

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