Financial insights of CCNEP

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$25,961K
EPS
$0.88
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30
Interest and fees on loans receivable	101,327	56,667*	98,092
Taxable	10,147	9,031*	10,316
Tax-exempt	148	153*	150
Dividends	416	559*	87
Total interest and dividend income	112,038	66,410*	108,645
Deposits	35,967	26,742*	37,941
Borrowed funds and finance lease liabilities	1,702	-2,045*	2,501
Subordinated notes and debentures	1,046	1,064*	1,074
Total interest expense	38,715	25,761*	41,516
Net interest income	73,323	40,649*	67,129
Provision for credit gain expense	998	-59,422*	18,456
Net interest income after provision for credit loss expense	72,325	100,071*	48,673
Service charges on deposit accounts	2,034	1,135*	2,222
Other service charges and fees	422	422*	480
Wealth and asset management fees	2,357	3,112*	2,359
Net realized losss on available-for-sale securities (includes 331 and 0 accumulated other comprehensive income reclassifications for net realized losss on available-for-sale securities, respectively)	331	-23*	397
Net realized and unrealized losss on equity securities	-89	-730*	664
Mortgage banking	341	168*	196
Bank owned life insurance	986	1,845*	975
Card processing and interchange income	2,586	2,217*	2,336
Other non-interest income	1,030	321*	937
Total non-interest income	9,998	8,467*	10,566
Compensation and benefits	24,983	19,706*	23,339
Net occupancy expense	5,449	3,753*	4,823
Amortization of core deposit intangible	1,005	-492*	780
Technology expense	7,181	7,289*	5,485
State and local taxes	821	1,417*	1,292
Legal, professional, and examination fees	772	-424*	1,637
Advertising	788	558*	754
Fdic insurance premiums	807	1,243*	940
Card processing and interchange expenses	1,507	1,283*	1,300
Merger and integration costs	0	1,359*	4,155
Other non-interest expenses	5,874	4,718*	5,652
Total non-interest expenses	49,187	40,410*	50,157
Income before income taxes	33,136	68,128*	9,082
Income tax expense (includes 70 and 0 income tax expense from reclassification items, respectively)	6,100	10,223*	2,037
Net income	27,036	57,905*	7,045
Net change in unrealized gains on available-for-sale securities, net of reclassification and tax	-	3,376*	-
Amortization of unrealized gains from held-to-maturity securities, net of tax	-	-119*	-
Change in actuarial gains (losses), for post-employment health care plan, net of amortization and tax	-	127*	-
Change in actuarial losses, for pension plan, net of tax	-	-141*	-
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	-	3,227*	-
Preferred stock dividends	1,075	-	1,076
Comprehensive income	-	61,132	-
Net income available to common shareholders	25,961	-	5,969

Basic EPS	0.88	2.78	0.22
Diluted EPS	0.88	2.771	0.22
Basic Average Shares	29,317,224	21,993,377	27,178,623
Diluted Average Shares	29,439,453	22,057,702	27,280,298

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$25,961K
EPS
$0.88
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
$25,961K
EPS
$0.88
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$25,961KEPS$0.88Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$25,961KEPS$0.88Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$25,961K
EPS
$0.88
Unit: Thousand (K) dollars

Net Income
$25,961K
EPS
$0.88
Unit: Thousand (K) dollars