Income Statement Baker Boyer Bancorp

Stocks

BBBK

US0571241092

Banks

Market Closed - OTC Markets 15:46:42 30/09/2026 BST			5-day change	1st Jan Change
40.91 ^USD	-2.60%		-5.43%	-4.42%

09-10	Baker Boyer Bancorp announces Quarterly dividend, payable on September 30, 2026	CI
09-02	Baker Boyer Announces CEO Changes	CI

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Published financial data: BAKER BOYER BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	16.73M	16.05M	18.81M	21.84M	22.98M
Interest Income On Investments	4.2M	5.4M	5.33M	4.43M	5.46M
Interest Income, Total	20.93M	21.45M	24.14M	26.27M	28.44M
Interest On Deposits	212K	217K	2.18M	4.52M	5.29M
Total Interest On Borrowings	12K	79K	1.47M	1.83M	562K
Interest Expense, Total	224K	296K	3.65M	6.35M	5.86M
Net Interest Income	20.7M	21.16M	20.48M	19.92M	22.59M
Service Charges On Deposits	521K	576K	476K	424K	439K
Trust Income	11.51M	11.32M	11.35M	11.73M	12.13M
Gain (Loss) on Sale of Loans	17K	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	2.09M	2.16M	2.34M	1.42M	1.05M
Non Interest Income, Total	14.14M	14.05M	14.16M	13.58M	13.61M
Revenues Before Provison For Loan Losses	34.84M	35.21M	34.64M	33.49M	36.2M
Provision For Loan Losses	-	-3.88M	85K	740K	243K
Total Revenues	34.84M	39.08M	34.56M	32.75M	35.96M
Salaries And Other Employee Benefits	18.66M	19.37M	20.08M	20.1M	20.74M
Occupancy Expense	-	-	2.14M	2.13M	2.29M
Federal Deposit Insurance	653K	717K	832K	854K	804K
Selling General & Admin Expenses, Total	7.33M	7.61M	5.38M	5.12M	5.13M
Total Other Non Interest Expense	1.73M	2.21M	2.56M	2.28M	2.92M
Non Interest Expense, Total	28.38M	29.92M	30.99M	30.48M	31.89M
EBT, Excl. Unusual Items	6.47M	9.17M	3.57M	2.27M	4.07M
EBT, Incl. Unusual Items	6.47M	9.17M	3.57M	2.27M	4.07M
Income Tax Expense	1.1M	1.62M	399K	372K	766K
Earnings From Continuing Operations	5.37M	7.55M	3.17M	1.89M	3.31M
Net Income to Company	5.37M	7.55M	3.17M	1.89M	3.31M
Net Income - (IS)	5.37M	7.55M	3.17M	1.89M	3.31M
Preferred Dividend and Other Adjustments	64K	97K	45K	28K	50K
Net Income to Common Incl Extra Items	5.31M	7.46M	3.13M	1.87M	3.26M
Net Income to Common Excl. Extra Items	5.31M	7.46M	3.13M	1.87M	3.26M
Per Share Items
Net EPS - Basic	4.15	5.8	2.43	1.45	2.52
Basic EPS - Continuing Operations	4.15	5.8	2.43	1.45	2.52
Basic Weighted Average Shares Outstanding	1.28M	1.29M	1.29M	1.29M	1.29M
Net EPS - Diluted	4.12	5.76	2.41	1.43	2.49
Diluted EPS - Continuing Operations	4.12	5.76	2.41	1.43	2.49
Diluted Weighted Average Shares Outstanding	1.29M	1.29M	1.3M	1.3M	1.31M
Normalized Basic EPS	3.16	4.46	1.74	1.1	1.97
Normalized Diluted EPS	3.14	4.43	1.72	1.09	1.95
Dividend Per Share	3.28	3.28	2.64	2	2
Payout Ratio	79.12	56.61	108.54	138.38	79.56
Supplemental Items
Effective Tax Rate - (Ratio)	16.93	17.63	11.17	16.42	18.81
Current Domestic Taxes	1.04M	851K	554K	566K	767K
Total Current Taxes	1.04M	851K	554K	566K	767K
Deferred Domestic Taxes	50K	765K	-155K	-194K	-1K
Total Deferred Taxes	50K	765K	-155K	-194K	-1K
Normalized Net Income	4.04M	5.73M	2.23M	1.42M	2.55M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	337K	378K	333K	299K	252K
Total Stock-Based Compensation	337K	378K	333K	299K	252K

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	5.47M	5M	4.11M	8.55M	85.05M
Investment Securities, Total	443M	375M	301M	243M	197M
Mortgage Backed Securities	-	-	-	-	9.34M
Total investments	443M	375M	301M	243M	206M
Gross Loans	340M	351M	373M	393M	395M
Allowance For Loan Losses	-6.53M	-3.42M	-3.3M	-3.95M	-4.16M
Other Adjustments to Gross Loans	-495K	-	-246K	-338K	-540K
Net Loans	333M	348M	370M	389M	391M
Gross Property Plant And Equipment	35.29M	32.34M	32.67M	32.8M	32.79M
Accumulated Depreciation	-12.83M	-11.49M	-12.44M	-13.41M	-13.92M
Net Property Plant And Equipment	22.46M	20.85M	20.23M	19.39M	18.87M
Accrued Interest Receivable	2.79M	3.25M	2.96M	2.66M	2.75M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	1.29M	6.23M	4.15M	3.1M	1.69M
Other Real Estate Owned And Foreclosed	-	1.34M	338K	-	-
Other Long-Term Assets, Total	4.54M	5.04M	7.14M	4.35M	4.29M
Total Assets	813M	765M	709M	670M	710M
Liabilities
Interest Bearing Deposits	438M	413M	351M	326M	377M
Institutional Deposits	3.6M	2.67M	33.24M	40.33M	51.1M
Non-Interest Bearing Deposits	283M	273M	236M	221M	219M
Total Deposits	725M	689M	620M	587M	648M
Short-Term Borrowings	27.98M	14.04M	23.87M	25.08M	-
Long-Term Debt	-	19.5M	14.3M	2.5M	-
Accrued Interest Payable	12K	10K	265K	383K	394K
Other Non Current Liabilities	557K	1.01M	1.04M	910K	1.53M
Total Liabilities	753M	723M	660M	616M	649M
Common Stock, Total	4.06M	4.08M	4.09M	4.09M	4.11M
Additional Paid In Capital	476K	837K	963K	1.26M	1.47M
Retained Earnings	55.89M	59.17M	58.9M	58.17M	58.85M
Comprehensive Income and Other	-1.25M	-22.65M	-14.25M	-9.57M	-4.27M
Total Common Equity	59.19M	41.44M	49.7M	53.95M	60.16M
Total Equity	59.19M	41.44M	49.7M	53.95M	60.16M
Total Liabilities And Equity	813M	765M	709M	670M	710M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.27M	1.29M	1.29M	1.29M	1.29M
ECS Total Common Shares Outstanding	1.27M	1.29M	1.29M	1.29M	1.29M
Book Value / Share	46.74	32.21	38.63	41.8	46.48
Tangible Book Value	59.19M	41.44M	49.7M	53.95M	60.16M
Tangible Book Value Per Share	46.74	32.21	38.63	41.8	46.48
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	27.98M	33.54M	38.17M	27.58M	0
Net Debt	-110M	-5.68M	11.81M	-12M	-110M
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	5.37M	7.55M	3.17M	1.89M	3.31M
Depreciation, Depletion & Amortization	1.13M	1.12M	1.12M	1.04M	1.01M
Amortization of Goodwill and Intangible Assets - (CF)	124K	87K	95K	80K	32K
Total Depreciation, Depletion & Amortization	1.25M	1.21M	1.22M	1.12M	1.05M
Amortization of Deferred Charges, Total	-	-	-	95K	208K
Gain (Loss) on Sale of Loans & Receivables - (CF)	-17K	-10K	-10K	-3K	-
(Gain) Loss On Sale of Asset - (CF)	-	1K	-8K	-71K	1K
(Gain) Loss on Sale of Investments - (CF)	2.78M	3.24M	2.32M	1.58M	1.46M
Total Asset Writedown	20K	-63K	100K	-	-
Provision for Credit Losses	-	-3.88M	-	800K	238K
Stock-Based Compensation (CF)	337K	378K	333K	299K	252K
Net (Increase) Decrease in Loans Originated / Sold - Operating	-61K	-6K	-18K	-1K	-
Changes in Accrued Interest Receivable	-213K	-463K	286K	303K	-86K
Changes in Accrued Interest Payable	-4K	-2K	255K	118K	11K
Other Operating Activities	-1.1M	407K	-242K	-181K	483K
Cash from Operations	8.36M	8.37M	7.41M	5.96M	6.92M
Capital Expenditure	-1.41M	-779K	-400K	-137K	-460K
Sale (Purchase) of Real Estate Properties (Collected)	-	-	908K	399K	-
Investment in Marketable and Equity Securities, Total	-98.82M	37.5M	80.22M	64.64M	17.6M
Net (Increase) Decrease in Loans Originated / Sold - Investing	7.57M	-10.16M	-22.03M	-20.51M	-1.8M
Other Investing Activities, Total	-146K	-510K	423K	417K	127K
Cash from Investing	-92.8M	26.06M	59.12M	44.81M	15.47M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	12.31M	19.5M	10.83M	4.7M	-
Total Debt Issued	12.31M	19.5M	10.83M	4.7M	-
Long-Term Debt Repaid, Total	-	-13.94M	-6.2M	-15.3M	-27.58M
Total Debt Repaid	-	-13.94M	-6.2M	-15.3M	-27.58M
Repurchase of Common Stock	-	-	-200K	-	-19K
Common Dividends Paid	-4.25M	-4.28M	-3.44M	-2.62M	-2.63M
Common & Preferred Stock Dividends Paid	-4.25M	-4.28M	-3.44M	-2.62M	-2.63M
Net Increase (Decrease) in Deposit Accounts - (CF)	77.27M	-36.19M	-68.4M	-33.11M	60.46M
Cash from Financing	85.33M	-34.91M	-67.41M	-46.33M	30.24M
Net Change in Cash	893K	-479K	-886K	4.44M	52.63M
Supplemental Items
Cash Interest Paid	225K	296K	3.65M	6.23M	5.84M
Cash Income Tax Paid (Refund)	695K	882K	598K	316K	1.23M
Net Debt Issued / Repaid	12.31M	5.56M	4.63M	-10.6M	-27.58M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	0.7	0.96	0.43	0.27	0.48
Return On Equity %	8.93	15.01	6.96	3.65	5.8
Return on Common Equity	8.82	14.82	6.86	3.6	5.71
Shareholders Value Added	-1.73M	1.6M	-2.2M	-4.25M	-3.51M
Margin Analysis
SG&A Margin	74.6	69.05	79.85	83.51	78.33
Net Interest Income / Total Revenues %	59.42	54.13	59.27	60.81	62.82
EBT Excl. Non-Recurring Items Margin %	18.57	23.46	10.33	6.92	11.33
Income From Continuing Operations Margin %	15.42	19.32	9.18	5.78	9.2
Net Income Margin %	15.42	19.32	9.18	5.78	9.2
Net Avail. For Common Margin %	15.24	19.07	9.05	5.7	9.06
Normalized Net Income Margin	11.6	14.66	6.46	4.32	7.08
Asset quality
Nonperforming Loans / Total Loans %	0.33	0.25	0.18	0.17	0.89
Nonperforming Loans / Total Assets %	0.14	0.11	0.09	0.1	0.5
Nonperforming Assets / Total Assets %	0.14	0.29	0.14	0.1	0.5
NPAs / Loans and OREO	0.33	0.63	0.27	0.17	0.89
NPAs / Equity	1.88	5.34	2.03	1.21	5.84
Allowance for Credit Losses / Net Charge-offs %	-3.61K	-449.15	2.9K	2.56K	14.86K
Allowance for Credit Losses / Nonperforming Loans %	586.36	393.33	491.67	604.9	118.32
Allowance for Credit Losses / Total Loans %	1.92	0.97	0.89	1	1.05
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	509.2	74.56	480.52	867.86
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.83	6.38	6.18	7.51	8.27
Total Average Equity / Total Average Assets %	7.83	6.38	6.18	7.51	8.27
Total Equity + Allowance for Loan Losses / Total Loans %	19.31	12.76	14.21	14.71	16.27
Gross Loans / Total Deposits %	46.95	51.04	60.16	67.02	61.04
Net Loans / Total Deposits %	45.98	50.54	59.59	66.29	60.31
Tier 1 Capital Ratio %	15.3	15.5	14.9	14.9	15.4
Total Capital Ratio %	16.6	16.3	15.7	15.8	16.4
Core Tier 1 Capital Ratio	15.3	15.5	14.9	14.9	15.4
Coverage Ratio	586.36	393.33	-	-	-
Leverage Ratio %	7.5	8.1	8.8	9.3	9.2
Interbank Ratio	474.91	243.7	93.23	123.73	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	540.08	117.05	3.43	2.24	8.25
EBT + Interest Expense / Interest Expense	29.88	31.97	1.98	1.36	1.7
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.64	2.19	-3.18	-2.78	13.43
Non Interest Income, 1 Yr. Growth %	12.62	-0.62	0.76	-4.13	0.28
Provision For Loan Losses, 1 Yr. Growth %	-	-	-102.19	770.59	-67.16
Total Revenues, 1 Yr. Growth %	3.06	12.17	-11.58	-5.23	9.8
Earnings From Cont. Operations, 1 Yr. Growth %	2.66	40.53	-58	-40.29	74.6
Net Income, 1 Yr. Growth %	2.66	40.53	-58	-40.29	74.6
Normalized Net Income, 1 Yr. Growth %	3.19	41.72	-61.05	-36.54	79.74
Diluted EPS Before Extra, 1 Yr. Growth %	3	39.81	-58.16	-40.66	74.13
Dividend Per Share, 1 Yr. Growth %	1.23	0	-19.51	-24.24	0
Gross Loans, 1 Yr. Growth %	-2.1	3.28	6.17	5.46	0.45
Allowance For Loan Losses, 1 Yr. Growth %	2.85	-47.67	-3.34	19.55	5.32
Net Loans, 1 Yr. Growth %	-2.21	4.43	6.2	5.31	0.35
Non Performing Loans, 1 Yr. Growth %	-38.42	-21.99	-22.67	-2.83	438.44
Non Performing Assets, 1 Yr. Growth %	-38.42	98.74	-54.38	-35.35	438.44
Total Assets, 1 Yr. Growth %	11.97	-5.9	-7.22	-5.56	5.93
Total Deposits, 1 Yr Growth %	11.93	-4.99	-9.93	-5.34	10.3
Tangible Book Value, 1 Yr. Growth %	-3.35	-29.99	19.94	8.54	11.52
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	-3.35	-29.99	19.94	8.54	11.52
Total Equity, 1 Yr. Growth %	-3.35	-29.99	19.94	8.54	11.52
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-3.97	-0.25	-0.53	-2.98	5.01
Non Interest Income, 2 Yr. CAGR %	5.65	5.79	0.07	-1.72	-1.95
Provision For Loan Losses, 2 Yr. CAGR %	-	1.7K	-	-56.3	69.08
Total Revenues, 2 Yr. CAGR %	-0.37	7.52	-0.41	-8.46	2.01
Earnings From Cont. Operations, 2 Yr. CAGR %	-13.1	20.11	-23.17	-49.92	2.11
Net Income, 2 Yr. CAGR %	-13.1	20.11	-23.17	-49.92	2.11
Normalized Net Income, 2 Yr. CAGR %	-13.01	20.93	-25.7	-50.28	6.8
Diluted EPS Before Extra, 2 Yr. CAGR %	-13.21	20	-23.52	-50.17	1.65
Dividend Per Share, 2 Yr. CAGR %	-4.81	0.62	-10.28	-21.91	-12.96
Gross Loans, 2 Yr. CAGR %	9.62	0.55	4.71	5.81	2.92
Allowance For Loan Losses, 2 Yr. CAGR %	1.13	-26.64	-28.88	7.5	12.21
Net Loans, 2 Yr. CAGR %	9.73	1.06	5.31	5.75	2.8
Non Performing Loans, 2 Yr. CAGR %	1.28	-30.69	-22.33	-13.31	128.74
Non Performing Assets, 2 Yr. CAGR %	1.28	10.63	-4.78	-45.69	86.58
Total Assets, 2 Yr. CAGR %	15.6	2.65	-6.56	-6.4	0.02
Total Deposits, 2 Yr CAGR %	16.13	3.12	-7.5	-7.66	2.18
Tangible Book Value, 2 Yr. CAGR %	0.14	-17.74	-8.36	14.1	10.02
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	0.14	-17.74	-8.36	14.1	10.02
Total Equity, 2 Yr. CAGR %	0.14	-17.74	-8.36	14.1	10.02
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.55	-1.96	-1.24	-1.29	2.21
Non Interest Income, 3 Yr. CAGR %	3.94	3.51	4.09	-1.35	-1.05
Provision For Loan Losses, 3 Yr. CAGR %	-	551.7	92.05	-	-60.27
Total Revenues, 3 Yr. CAGR %	1.18	3.64	0.74	-2.04	-2.74
Earnings From Cont. Operations, 3 Yr. CAGR %	-9.55	2	-15.38	-29.36	-24.06
Net Income, 3 Yr. CAGR %	-9.55	2	-15.38	-29.36	-24.06
Normalized Net Income, 3 Yr. CAGR %	-9.05	2.36	-17.1	-29.51	-23.7
Diluted EPS Before Extra, 3 Yr. CAGR %	-9.67	1.74	-15.54	-29.72	-24.39
Dividend Per Share, 3 Yr. CAGR %	3.02	-3.23	-6.6	-15.2	-15.2
Gross Loans, 3 Yr. CAGR %	5.68	7.46	2.39	4.96	3.99
Allowance For Loan Losses, 3 Yr. CAGR %	1.43	-18.81	-19.57	-15.44	6.77
Net Loans, 3 Yr. CAGR %	5.8	7.93	2.74	5.31	3.92
Non Performing Loans, 3 Yr. CAGR %	-8.41	-7.16	-28.11	-16.31	59.35
Non Performing Assets, 3 Yr. CAGR %	-8.41	26.8	-17.66	-16.31	16.67
Total Assets, 3 Yr. CAGR %	10.58	7.93	-0.75	-6.23	-2.46
Total Deposits, 3 Yr CAGR %	10.97	8.61	-1.43	-6.78	-2.03
Tangible Book Value, 3 Yr. CAGR %	2.33	-11.12	-6.72	-3.04	13.23
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	2.33	-11.12	-6.72	-3.04	13.23
Total Equity, 3 Yr. CAGR %	2.33	-11.12	-6.72	-3.04	13.23
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.57	2.17	-0.54	-2.37	1.22
Non Interest Income, 5 Yr. CAGR %	3.47	2.24	2.37	1.39	1.63
Provision For Loan Losses, 5 Yr. CAGR %	-	354.41	-	121.12	82.51
Total Revenues, 5 Yr. CAGR %	3.25	4.35	0.54	-1.38	1.24
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.49	6.75	-15.27	-23.26	-8.78
Net Income, 5 Yr. CAGR %	-0.49	6.75	-15.27	-23.26	-8.78
Normalized Net Income, 5 Yr. CAGR %	-2.24	2.79	-16.12	-23.32	-8.26
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.34	6.62	-15.49	-23.53	-9.04
Dividend Per Share, 5 Yr. CAGR %	2.35	1.33	-2.52	-11.19	-9.2
Gross Loans, 5 Yr. CAGR %	3.95	4.1	5.29	6.8	2.6
Allowance For Loan Losses, 5 Yr. CAGR %	1.53	-11.3	-12	-9.16	-8.11
Net Loans, 5 Yr. CAGR %	3.97	4.4	5.6	7.05	2.76
Non Performing Loans, 5 Yr. CAGR %	7.92	0.49	-14.26	-9.67	14.21
Non Performing Assets, 5 Yr. CAGR %	7.92	21.16	-6.98	-9.67	14.21
Total Assets, 5 Yr. CAGR %	6.2	4.72	3.37	1.96	-0.45
Total Deposits, 5 Yr CAGR %	6.58	5.15	3.18	1.78	0
Tangible Book Value, 5 Yr. CAGR %	2.92	-4.52	-2.09	-1.78	-0.35
Average Interest Earning Assets, 5 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	2.92	-4.52	-2.09	-1.78	-0.35
Total Equity, 5 Yr. CAGR %	2.92	-4.52	-2.09	-1.78	-0.35