Financial insights of CHCO

MyFinsight

For the quarter ending 2025-09-30, CHCO made $160,568K in revenue. $35,188K in net income. Net profit margin of 21.91%.

Income Overview

Revenue
$160,568K
Net Income
$35,188K
Net Profit Margin
21.91%
EPS
$2.41
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

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

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	64,606	62,588	60,917	61,407
Taxable	15,947	15,347	13,945	14,403
Tax-exempt	708	712	724	824
Interest on deposits in depository institutions	829	1,644	1,802	1,417
Total interest income	82,090	80,291	77,388	78,051
Interest on deposits	16,201	16,492	16,852	17,072
Interest on securities sold under agreements to repurchase	3,196	3,307	3,169	3,788
Interest on fhlb long-term advances	1,586	1,568	1,552	1,586
Total interest expense	20,983	21,367	21,573	22,446
Net interest income	61,107	58,924	55,815	55,605
(recovery of) provision for credit losses	-500	-2,000	-	1,200
Net interest income after (recovery of) provision for credit losses	61,607	60,924	55,815	54,405
Gains (losses) on sale of investment securities, net	37	150	-	-12
Revenue from contract with customer-Debit Card	-	7,233	-	-
Revenue from contract with customer-Fiduciary And Trust	-	3,016	-	-
Unrealized gains (losses) recognized on equity securities still held, net	96	-263	-5	353
Revenue from contract with customer-Deposit Account	7,852	7,264	-	-
Revenue from contract with customer-Debit Card	7,324	-	-	-
Revenue from contract with customer-Fiduciary And Trust	3,075	-	-	-
Revenue from contract with customer	-	-	16,860	17,800
Bank ownedlife insurance	919	942	1,153	1,435
Other income	851	894	729	772
Office supplies	-	-	-	480
Total non-interest income	20,154	19,236	18,737	20,348
Telecommunications	-	-	-	578
Salaries and employee benefits	19,779	19,995	19,194	19,245
Postage, delivery, and statement mailings	-	-	-	666
Occupancy related expense	2,340	2,316	2,582	2,774
Equipment and software related expense	3,618	3,554	3,470	3,431
Bankcard expenses	2,191	2,203	2,215	2,271
Taxes, miscellaneous	2,104	2,327	2,262	-
Advertising	668	964	873	1,081
Fdic insurance expense	761	756	776	734
Legal and professional fees	549	651	582	500
Repossessed asset losses, net of expenses	-37	-292	66	-21
Other expenses	5,868	5,941	5,747	5,857
Total non-interest expense	37,915	38,999	37,635	37,638
Income (loss) from continuing operations before income taxes, noncontrolling interest, total	43,846	41,161	36,917	37,115
Income tax expense	8,658	7,774	6,575	7,306
Net income available to common shareholders	35,188	33,387	30,342	29,809

Average shares outstanding (in shares)	14,457,000	14,466,000	14,616,000	14,633,000
Average shares outstanding, diluted (in shares)	14,463,000	14,471,000	14,631,000	14,654,000
Basic earnings per common share (in dollars per share)	2.41	2.29	2.06	2.02
Diluted earnings per common share (in dollars per share)	2.41	2.29	2.06	2.02

MyFinsight

Income Overview

Revenue
$160,568K
Net Income
$35,188K
Net Profit Margin
21.91%
EPS
$2.41
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

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Income Overview

Revenue
$160,568K
Net Income
$35,188K
Net Profit Margin
21.91%
EPS
$2.41
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$160,568KNet Income$35,188KNet Profit Margin21.91%EPS$2.41Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$160,568KNet Income$35,188KNet Profit Margin21.91%EPS$2.41Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Revenue
$160,568K
Net Income
$35,188K
Net Profit Margin
21.91%
EPS
$2.41
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Revenue
$160,568K
Net Income
$35,188K
Net Profit Margin
21.91%
EPS
$2.41
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others