ccnep: the income statement

MyFinsight

For the quarter ending 2025-09-30, CCNEP made $210,884K in revenue. $5,969K in net income. Net profit margin of 2.83%.

Income Overview

Revenue
$210,884K
Net Income
$5,969K
Net Profit Margin
2.83%
EPS
$0.22
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans recei...
Deposits
Compensation and benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30
Interest and fees on loans receivable	98,092
Taxable	10,316
Tax-exempt	150
Dividends	87
Total interest and dividend income	108,645
Deposits	37,941
Borrowed funds and finance lease liabilities	2,501
Subordinated notes and debentures	1,074
Total interest expense	41,516
Net interest income	67,129
Provision for credit loss expense	18,456
Net interest income after provision for credit loss expense	48,673
Service charges on deposit accounts	2,222
Other service charges and fees	480
Wealth and asset management fees	2,359
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
Mortgage banking	196
Bank owned life insurance	975
Card processing and interchange income	2,336
Other non-interest income	937
Total non-interest income	10,566
Compensation and benefits	23,339
Net occupancy expense	4,823
Amortization of core deposit intangible	780
Technology expense	5,485
State and local taxes	1,292
Legal, professional, and examination fees	1,637
Advertising	754
Fdic insurance premiums	940
Card processing and interchange expenses	1,300
Merger and integration costs	4,155
Other non-interest expenses	5,652
Total non-interest expenses	50,157
Income before income taxes	9,082
Income tax expense (includes 83, , 83 and income tax expense from reclassification items, respectively)	2,037
Net income	7,045
Preferred stock dividends	1,076
Net income available to common shareholders	5,969

Average common shares outstanding, basic (in share)	27,178,623
Average common shares outstanding, diluted (in shares)	27,280,298
Basic earnings per common share (in dollars per share)	0.22
Diluted earnings per common share (in dollars per share)	0.22

MyFinsight

Income Overview

Revenue
$210,884K
Net Income
$5,969K
Net Profit Margin
2.83%
EPS
$0.22
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans recei...
Deposits
Compensation and benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$210,884K
Net Income
$5,969K
Net Profit Margin
2.83%
EPS
$0.22
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans recei...
Deposits
Compensation and benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$210,884KNet Income$5,969KNet Profit Margin2.83%EPS$0.22Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loans recei...DepositsCompensation and benefitsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$210,884KNet Income$5,969KNet Profit Margin2.83%EPS$0.22Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loans recei...DepositsCompensation and benefitsOthers

Time Plot

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

Income Statement

Revenue
$210,884K
Net Income
$5,969K
Net Profit Margin
2.83%
EPS
$0.22
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans recei...
Deposits
Compensation and benefits
Others

Revenue
$210,884K
Net Income
$5,969K
Net Profit Margin
2.83%
EPS
$0.22
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans recei...
Deposits
Compensation and benefits
Others