Financial insights of CAC

MyFinsight

For the quarter ending 2025-09-30, CAC made $160,568K in revenue. $21,194K in net income. Net profit margin of 13.20%.

Income Overview

Revenue
$160,568K
Net Income
$21,194K
Net Profit Margin
13.20%
EPS
$1.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	69,070	67,477	66,549	55,484
Taxable interest on investments	10,314	10,257	9,772	6,622
Nontaxable interest on investments	456	455	468	462
Total interest expense	-	-	-	30,134
Dividend income	470	493	520	389
Other interest income	584	641	1,086	764
Total interest income	80,894	79,323	78,395	63,721
Interest on deposits	24,719	24,594	24,621	25,051
Interest on borrowings	4,039	4,620	4,018	4,549
Interest on junior subordinated debentures	864	900	898	534
Total interest expense	29,622	30,114	29,537	-
Net interest income	51,272	49,209	48,858	33,587
Provision (credit) for credit losses	2,972	6,920	9,429	239
Revenue-Debit Card	-	3,646	-	-
Net interest income after provision (credit) for credit losses	48,300	42,289	39,429	33,348
Revenue-Fiduciary And Trust	-	1,981	-	-
Revenue-Debit Card	3,704	-	-	-
Revenue-Deposit Account	2,570	2,405	-	-
Revenue-Fiduciary And Trust	1,884	-	-	-
Brokerage and insurance commissions	1,850	1,794	1,697	1,414
Mortgage banking income, net	1,092	1,060	508	973
Revenue	-	-	7,389	7,154
Bank-owned life insurance	957	1,003	660	709
Other income	2,068	1,178	942	1,156
Total non-interest income	14,125	13,067	11,196	11,406
Salaries and employee benefits	20,089	19,392	20,243	16,545
Furniture, equipment and data processing	4,173	4,294	4,731	3,578
Merger and acquisition costs	315	1,405	7,525	727
Net occupancy costs	2,666	2,693	3,033	1,890
Debit card expense	1,745	1,725	1,690	1,368
Amortization of core deposit intangible assets	1,473	1,473	1,473	139
Consulting and professional fees	810	1,310	1,498	788
Regulatory assessments	1,020	1,127	986	784
Other real estate owned and collection costs, net	46	91	90	94
Other expenses	3,590	4,086	3,182	2,987
Total non-interest expense	35,927	37,596	44,451	28,900
Income before income tax expense	26,498	17,760	6,174	15,854
Income tax expense	5,304	3,679	-1,152	2,781
Net income	21,194	14,081	7,326	13,073

Basic earnings per share	1.25	0.84	0.43	0.9
Diluted earnings per share	1.25	0.83	0.43	0.9
Diluted weighted average number of common shares outstanding	17,006,311	16,972,395	16,929,815	14,645,675
Weighted average number of common shares outstanding	16,921,014	16,905,159	16,844,827	14,575,550

MyFinsight

Income Overview

Revenue
$160,568K
Net Income
$21,194K
Net Profit Margin
13.20%
EPS
$1.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$160,568K
Net Income
$21,194K
Net Profit Margin
13.20%
EPS
$1.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$160,568KNet Income$21,194KNet Profit Margin13.20%EPS$1.25Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$160,568KNet Income$21,194KNet Profit Margin13.20%EPS$1.25Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$160,568K
Net Income
$21,194K
Net Profit Margin
13.20%
EPS
$1.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$160,568K
Net Income
$21,194K
Net Profit Margin
13.20%
EPS
$1.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others