Charter One Financial Inc.

NYSE-CF

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Income Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Total Revenues	1,659	1,890	1,663	1,524	1,370	1,572
Total Revenues %Chg	21.1%	20.2%	13.1%	-3%	7.6%	-11.4%
Net Sales
Cost of Sales	1,027	1,135	1,091	1,000	926	893
Cost of Sales
Gross Profit	632	755	572	524	444	679
Gross Profit Margin	38.1%	39.9%	34.4%	34.4%	32.4%	43.2%
Selling, General & Administrative Expenses	88	101	84	78	78	76
Selling, General and Administrative Expenses
Other Operating Expenses	-30	8	37	8	4	-38
U.K. Goodwill Impairment
U.K. Long-Lived and Intangible Asset Impairment
U.K. Operations Restructuring
Integration Costs
Other Operating-Net
Operating Profit	574	646	451	438	362	641
Operating Margin	34.6%	34.2%	27.1%	28.7%	26.4%	40.8%
Interest and Investment Income	29	19	21	36	34	25
Equity in Earnings of Operating Affiliate
Interest Income
Interest Expense	-41	-36	-37	-47	—	-37
Interest Expense
Non-Operating Income	3	6	2	6	4	—
Loss on Debt Extinguishment
Other Non-Operating-Net
Total Non-Operating Income	-9	-11	-14	-5	38	-12
Income Before Provision for Income Taxes	565	635	437	433	400	629
Provision for Income Taxes	105	143	86	41	59	123
Income Tax Provision
Consolidated Net Income	460	492	351	392	341	506
Net Income Attributable to Minority Interests and Other	107	106	39	64	65	86
Net Earnings Attributable to Noncontrolling Interests
Equity in Earnings of Non-Operating Affiliates-Net of Taxes
Net Income Attributable to Common Shareholders	353	386	312	328	276	420
Net Earnings Attributable to Common Stockholders
Basic EPS	2.2	2.4	1.9	1.9	1.6	2.3
Diluted EPS	2.2	2.4	1.9	1.9	1.6	2.3
Basic Weighted Average Shares Outstanding	161	162.9	168.6	173.2	178.4	182.7
Total Shares Outstanding	157.7	162	164.7	169.9	174.3	180.4
Diluted Weighted Average Shares Outstanding	161.2	163.1	168.8	173.5	178.6	182.8
EBITDA	791	878	672	659	591	863
Effective Tax Rate	18.6%	22.5%	19.7%	9.5%	14.8%	19.6%