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	2024-12-31
Interest and fees on loans	69,070	67,477	66,549	52,872
Taxable interest on investments	10,314	10,257	9,772	6,976
Nontaxable interest on investments	456	455	468	463
Dividend income	470	493	520	360
Other interest income	584	641	1,086	1,166
Interest on subordinated debentures	-	-	-	533
Total interest income	80,894	79,323	78,395	61,837
Interest on deposits	24,719	24,594	24,621	23,293
Interest on borrowings	4,039	4,620	4,018	4,792
Interest on junior subordinated debentures	864	900	898	-
Total interest expense	29,622	30,114	29,537	29,276
Net interest income	51,272	49,209	48,858	33,341
(credit) provision for loan losses	-	-	-	-101
Provision (credit) for credit losses	2,972	6,920	9,429	-
Revenue-Debit Card	-	3,646	-	-
Net interest income after provision (credit) for credit losses	48,300	42,289	39,429	33,988
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	1,340
Mortgage banking income, net	1,092	1,060	508	871
Revenue	-	-	7,389	7,083
Bank-owned life insurance	957	1,003	660	702
Other income	2,068	1,178	942	1,250
Merger and acquisition costs	-	-	-	290
Total non-interest income	14,125	13,067	11,196	11,244
Salaries and employee benefits	20,089	19,392	20,243	15,964
Furniture, equipment and data processing	4,173	4,294	4,731	3,645
Merger and acquisition costs	315	1,405	7,525	-
Net occupancy costs	2,666	2,693	3,033	2,021
Debit card expense	1,745	1,725	1,690	1,304
Amortization of core deposit intangible assets	1,473	1,473	1,473	139
Consulting and professional fees	810	1,310	1,498	823
Regulatory assessments	1,020	1,127	986	831
Other real estate owned and collection costs, net	46	91	90	30
Other expenses	3,590	4,086	3,182	2,892
Total non-interest expense	35,927	37,596	44,451	27,863
Income before income tax expense	26,498	17,760	6,174	17,369
Income tax expense	5,304	3,679	-1,152	3,400
Net income	21,194	14,081	7,326	13,969

Basic earnings per share	1.25	0.84	0.43	0.955
Diluted earnings per share	1.25	0.83	0.43	0.955
Diluted weighted average number of common shares outstanding	17,006,311	16,972,395	16,929,815	-7,329,459.5
Weighted average number of common shares outstanding	16,921,014	16,905,159	16,844,827	-7,293,731.5

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