Financial insights of CAC

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$21,194K
EPS
$1.25
Unit: Thousand (K) dollars

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	55,269*
Taxable interest on investments	10,314	10,257	9,772	7,238*
Nontaxable interest on investments	456	455	468	465*
Dividend income	470	493	520	265*
Other interest income	584	641	1,086	1,475*
Interest on subordinated debentures	-	-	-	533*
Total interest income	80,894	79,323	78,395	64,710*
Interest on deposits	24,719	24,594	24,621	24,328*
Interest on borrowings	4,039	4,620	4,018	4,415*
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	35,434*
(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	35,535*
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	1,253*
Mortgage banking income, net	1,092	1,060	508	997*
Revenue	-	-	7,389	7,063*
Bank-owned life insurance	957	1,003	660	702*
Other income	2,068	1,178	942	1,450*
Merger and acquisition costs	-	-	-	290*
Total non-interest income	14,125	13,067	11,196	11,463*
Salaries and employee benefits	20,089	19,392	20,243	15,633*
Furniture, equipment and data processing	4,173	4,294	4,731	3,752*
Merger and acquisition costs	315	1,405	7,525	-
Net occupancy costs	2,666	2,693	3,033	2,106*
Debit card expense	1,745	1,725	1,690	1,269*
Amortization of core deposit intangible assets	1,473	1,473	1,473	139*
Consulting and professional fees	810	1,310	1,498	678*
Regulatory assessments	1,020	1,127	986	863*
Other real estate owned and collection costs, net	46	91	90	-10*
Other expenses	3,590	4,086	3,182	2,905*
Total non-interest expense	35,927	37,596	44,451	27,621*
Income before income tax expense	26,498	17,760	6,174	19,376*
Income tax expense	5,304	3,679	-1,152	3,971*
Net income	21,194	14,081	7,326	15,405

Basic EPS	1.25	0.84	0.43	1.057
Diluted EPS	1.25	0.83	0.43	1.055
Basic Average Shares	16,921,014	16,905,159	16,844,827	14,571,089
Diluted Average Shares	17,006,311	16,972,395	16,929,815	14,608,687

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$21,194K
EPS
$1.25
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income
$21,194K
EPS
$1.25
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$21,194KEPS$1.25Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$21,194KEPS$1.25Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$21,194K
EPS
$1.25
Unit: Thousand (K) dollars

Net Income
$21,194K
EPS
$1.25
Unit: Thousand (K) dollars