Financial insights of CBU

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	596,715
Interest and dividends on taxable investments	91,534
Interest and dividends on nontaxable investments	11,026
Total interest income	699,275
Interest on deposits	162,200
Interest on borrowings	30,525
Total interest expense	192,725
Net interest income	506,550
Provision for credit losses	21,350
Net interest income after provision for credit losses	485,200
Deposit service fees	59,371
Mortgage banking	3,535
Other banking services	21,012
Employee benefit services	135,974
Insurance services	54,410
Wealth management services	37,065
Loss on sales of investment securities	0
Gain on debt extinguishment	0
Unrealized gain (loss) on equity securities	375
Loss from equity method investments	-285
Total noninterest revenues	311,457
Salaries and employee benefits	313,915
Data processing and communications	70,161
Occupancy and equipment	48,249
Business development and marketing	15,135
Legal and professional fees	17,898
Amortization of intangible assets	13,846
Other expenses	42,059
Total noninterest expenses	521,263
Income before income taxes	275,394
Income taxes	64,939
Net income	210,455

Basic EPS	3.98
Diluted EPS	3.97
Basic Average Shares	52,700,000
Diluted Average Shares	52,821,000