Financial insights of CHCO

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Revenue-Deposit Account	29,980
Revenue-Debit Card	28,655
Revenue-Fiduciary And Trust	12,345
Revenue-Product And Service Other	3,308
Net gains (losses) on sale of investment securities	187
Unrealized (losses) gains recognized on equity securities still held	-588
Bank ownedlife insurance	3,878
Total non-interest income	77,765
Interest and fees on loans	252,487
Taxable	59,896
Tax-exempt	3,158
Interest on deposits in depository institutions	5,675
Total interest income	321,216
Interest on deposits	65,356
Interest on customer repurchase agreements	13,165
Interest on fhlb long-term advances	6,292
Total interest expense	84,813
Net interest income	236,403
(recovery of) provision for credit losses	-1,400
Net interest income after (recovery of) provision for credit losses	237,803
Salaries and employee benefits	79,166
Occupancy related expenses	9,554
Equipment and software related expenses	14,454
Bankcard expenses	8,985
Taxes, miscellaneous	9,005
Advertising	3,082
Fdic insurance expense	3,049
Legal and professional fees	2,334
Repossessed asset losses, net of expenses	-257
Merger related costs	0
Other expenses	24,217
Total non-interest expense	154,103
Income before income taxes	161,465
Income tax expense	30,980
Net income available to common shareholders	130,485

Basic EPS	8.94
Diluted EPS	8.93
Basic Average Shares	14,474,000
Diluted Average Shares	14,482,000