For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Interest and fees on loans | 350,943 | - | ||
| Taxable | 39,979 | - | ||
| Tax-exempt | 603 | - | ||
| Dividends | 820 | - | ||
| Total interest and dividend income | 392,345 | - | ||
| Deposits | 140,565 | - | ||
| Borrowed funds and finance lease liabilities | 5,458 | - | ||
| Subordinated debentures (includes 0, 0, and (151) accumulated other comprehensive income reclassification for change in fair value of interest rate swap agreements, respectively) | 4,286 | - | ||
| Total interest expense | 150,309 | - | ||
| Net interest income | 242,036 | - | ||
| Provision for credit loss expense | 8,855 | - | ||
| Net interest income after provision for credit loss expense | 233,181 | - | ||
| Service charges on deposit accounts | 7,801 | - | ||
| Other service charges and fees | 1,862 | - | ||
| Wealth and asset management fees | 10,189 | - | ||
| Net realized gains on available-for-sale securities (includes 1,168, 74, and 52 accumulated other comprehensive income reclassifications for net realized gains on available-for-sale securities, respectively) | 1,168 | - | ||
| Net realized and unrealized gains (losses) on equity securities | 1,262 | - | ||
| Mortgage banking | 756 | - | ||
| Bank owned life insurance | 4,770 | - | ||
| Card processing and interchange income | 9,225 | - | ||
| Other non-interest income | 3,132 | - | ||
| Total non-interest income | 40,165 | - | ||
| Compensation and benefits (includes (257), (168), and (174) accumulated other comprehensive income reclassifications for net amortization of actuarial (gains) losses, respectively) | 89,723 | - | ||
| Net occupancy expense | 18,222 | - | ||
| Amortization of core deposit intangible | 1,848 | - | ||
| Technology expense | 23,744 | - | ||
| State and local taxes | 5,293 | - | ||
| Legal, professional and examination fees | 4,487 | - | ||
| Advertising | 2,820 | - | ||
| Fdic insurance | 4,063 | - | ||
| Card processing and interchange expenses | 5,183 | - | ||
| Other non-interest expenses | 21,674 | - | ||
| Merger and integration costs | 13,824 | - | ||
| Total non-interest expenses | 190,881 | - | ||
| Income before income taxes | 82,465 | - | ||
| Income tax expense (includes 299, 51, and 79 income tax expense reclassification items, respectively) | 16,334 | - | ||
| Net income | 66,131 | 54,575 | ||
| Net change in unrealized gains on available-for-sale securities, net of reclassification and tax | 13,504 | - | ||
| Amortization of unrealized gains from held-to-maturity securities, net of tax | -475 | - | ||
| Change in actuarial gains (losses), for post-employment health care plan, net of amortization and tax | 506 | - | ||
| Change in actuarial losses, for pension plan, net of tax | -565 | - | ||
| Change in fair value of interest rate swap agreements designated as a cash flow hedge, net of interest and tax | 0 | - | ||
| Dividends on preferred stock | - | 4,302 | ||
| Total other comprehensive income | 12,908 | - | ||
| Net earnings allocated to common stock | - | 50,273 | ||
| Comprehensive income | 79,039 | - | ||
| Basic EPS | 2.5 | 2.39 | ||
| Diluted EPS | 2.49 | 2.39 | ||
| Basic Average Shares | 24,586,000 | 20,838,000 | ||
| Diluted Average Shares | 24,669,000 | 20,900,000 | ||
CNB FINANCIAL CORP PA (CCNE)
CNB FINANCIAL CORP PA (CCNE)