| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans receivable | 98,092 | 75,408 | ||
| Taxable | 10,316 | 10,118 | ||
| Tax-exempt | 150 | 149 | ||
| Dividends | 87 | 96 | ||
| Total interest and dividend income | 108,645 | 85,771 | ||
| Deposits | 37,941 | 32,276 | ||
| Borrowed funds and finance lease liabilities | 2,501 | 222 | ||
| Subordinated notes and debentures | 1,074 | 1,076 | ||
| Total interest expense | 41,516 | 33,574 | ||
| Net interest income | 67,129 | 52,197 | ||
| Provision for credit loss expense | 18,456 | 4,338 | ||
| Net interest income after provision for credit loss expense | 48,673 | 47,859 | ||
| Service charges on deposit accounts | 2,222 | 1,656 | ||
| Other service charges and fees | 480 | 427 | ||
| Wealth and asset management fees | 2,359 | 2,109 | ||
| Net realized gains (losses) on available-for-sale securities (includes 397, , 397, and accumulated other comprehensive income reclassifications for net realized gains (losses) on available-for-sale securities, respectively) | 397 | - | ||
| Net realized and unrealized gains on equity securities | 664 | 567 | ||
| Mortgage banking | 196 | 172 | ||
| Bank owned life insurance | 975 | 976 | ||
| Card processing and interchange income | 2,336 | 2,278 | ||
| Other non-interest income | 937 | 823 | ||
| Total non-interest income | 10,566 | 9,008 | ||
| Compensation and benefits | 23,339 | 19,348 | ||
| Net occupancy expense | 4,823 | 4,032 | ||
| Amortization of core deposit intangible | 780 | - | ||
| Technology expense | 5,485 | 5,462 | ||
| State and local taxes | 1,292 | 1,301 | ||
| Legal, professional, and examination fees | 1,637 | 997 | ||
| Advertising | 754 | 556 | ||
| Fdic insurance premiums | 940 | 937 | ||
| Card processing and interchange expenses | 1,300 | 1,253 | ||
| Merger and integration costs | 4,155 | 357 | ||
| Other non-interest expenses | 5,652 | 5,374 | ||
| Total non-interest expenses | 50,157 | 39,617 | ||
| Income before income taxes | 9,082 | 17,250 | ||
| Income tax expense (includes 83, , 83 and income tax expense from reclassification items, respectively) | 2,037 | 3,294 | ||
| Net income | 7,045 | 13,956 | ||
| Preferred stock dividends | 1,076 | 1,075 | ||
| Net income available to common shareholders | 5,969 | 12,881 | ||
| Average common shares outstanding, basic (in share) | 27,178,623 | 20,881,000 | ||
| Average common shares outstanding, diluted (in shares) | 27,280,298 | 20,952,891 | ||
| Basic earnings per common share (in dollars per share) | 0.22 | 0.61 | ||
| Diluted earnings per common share (in dollars per share) | 0.22 | 0.61 | ||
CNB FINANCIAL CORP PA (CCNE)
CNB FINANCIAL CORP PA (CCNE)