Financial insights of CCNEP

MyFinsight

For the year ending 2025-12-31.

Income Overview

Net Income
$79,039K
EPS
$2.49
Unit: Thousand (K) dollars

Income Statement	2025-12-31
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
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
Total other comprehensive income	12,908
Comprehensive income	79,039

Basic EPS	2.5
Diluted EPS	2.49
Basic Average Shares	24,586,000
Diluted Average Shares	24,669,000

MyFinsight

Income Overview

Net Income
$79,039K
EPS
$2.49
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
$79,039K
EPS
$2.49
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$79,039KEPS$2.49Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$79,039KEPS$2.49Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$79,039K
EPS
$2.49
Unit: Thousand (K) dollars

Net Income
$79,039K
EPS
$2.49
Unit: Thousand (K) dollars