PFS Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 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	5.56	4.74	3.79	3.31	3.4
Interest Income on Investments	3.2	3.28	2.77	1.5	1.19
Total Interest Income	8.76	8.01	6.56	4.8	4.58
Interest Paid on Deposits	3.26	2.98	1.87	0.64	0.61
Net Interest Income	5.49	5.03	4.69	4.16	3.97
Net Interest Income Growth (YoY)	9.64%	7.36%	12.59%	4.78%	-
Gain (Loss) on Sale of Investments	-	-	-	-0.22	-
Other Non-Interest Income	0.95	0.88	0.67	0.59	0.52
Total Non-Interest Income	0.96	0.89	0.67	0.51	0.66
Non-Interest Income Growth (YoY)	33.15%	32.09%	31.63%	-22.88%	-
Revenues Before Loan Losses	6.45	5.92	5.36	4.67	4.63
Provision for Loan Losses	0.17	0.17	0.1	0.06	-0.01
Revenue	6.28	5.75	5.26	4.61	4.64
Revenue Growth (YoY)	12.78%	9.40%	14.03%	-0.60%	-
Salaries and Employee Benefits	2.32	2.33	2.3	2	1.96
Occupancy Expenses	0.13	0.15	0.15	0.15	0.38
Federal Deposit Insurance	0.18	0.17	0.14	0.14	0.16
Selling, General & Administrative	1.46	1.42	1.25	1.17	0.72
Other Non-Interest Expense	0.58	0.58	0.16	0.16	0.13
Total Non-Interest Expense	4.67	4.65	4.01	3.63	3.36
EBT Excluding Unusual Items	1.61	1.11	1.25	0.99	1.28
Pretax Income	1.61	1.11	1.25	0.99	1.28
Income Tax Expense	0.35	0.2	0.24	0.16	0.28
Net Income	1.25	0.91	1.01	0.83	1
Net Income to Common	1.25	0.91	1.01	0.83	1
Net Income Growth	16.14%	-10.22%	21.30%	-17.07%	-
Basic Shares Outstanding	2	2	2	-	-
Diluted Shares Outstanding	2	2	2	-	-
Shares Change (YoY)	0.12%	0.13%	-	-	-
EPS (Basic)	0.80	0.57	0.63	-	-
EPS (Diluted)	0.80	0.57	0.63	-	-
EPS Growth	16.00%	-9.91%	-	-	-
Effective Tax Rate	22.04%	18.25%	19.23%	15.72%	21.54%

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