Commercial Bancgroup 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
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Interest Income on Loans	112.86	113.39	95.21
Interest Income on Investments	10.12	9.82	7.43
Total Interest Income	122.98	123.21	102.64
Interest Paid on Deposits	39.04	40.35	24.09
Interest Paid on Borrowings	4.55	5.28	6.44
Total Interest Expense	43.59	45.63	30.54
Net Interest Income	79.39	77.58	72.1
Net Interest Income Growth (YoY)	10.11%	7.61%	-
Gain (Loss) on Sale of Assets	0.37	0.76	0.05
Other Non-Interest Income	9.8	9.97	9.61
Total Non-Interest Income	10.29	10.88	9.62
Non-Interest Income Growth (YoY)	7.00%	13.08%	-
Revenues Before Loan Losses	89.68	88.46	81.72
Provision for Loan Losses	0.01	1.83	3.27
Revenue	89.68	86.63	78.45
Revenue Growth (YoY)	14.31%	10.44%	-
Salaries and Employee Benefits	25.03	24.87	20.75
Occupancy Expenses	3.58	4.11	3.04
Federal Deposit Insurance	0.99	1.13	1.04
Selling, General & Administrative	8.74	9.04	8.52
Other Non-Interest Expense	7.43	6.91	5.41
Total Non-Interest Expense	45.77	46.06	38.75
EBT Excluding Unusual Items	43.9	40.57	39.69
Pretax Income	43.9	40.57	39.69
Income Tax Expense	11.23	8.89	8.48
Earnings From Continuing Operations	32.67	31.69	31.21
Minority Interest in Earnings	-	-0.28	-0.52
Net Income	32.67	31.41	30.69
Net Income to Common	32.67	31.41	30.69
Net Income Growth	6.43%	2.34%	-
Basic Shares Outstanding	12	12	12
Diluted Shares Outstanding	12	12	12
Shares Change (YoY)	0.03%	1.16%	-
EPS (Basic)	2.68	2.58	2.52
EPS (Diluted)	2.67	2.54	2.51
EPS Growth	6.56%	1.20%	-
Dividend Per Share	0.330	0.170	0.120
Dividend Growth	175.00%	41.67%	-
Effective Tax Rate	25.59%	21.90%	21.37%

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