Financial insights of CNOB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	581,136
Taxable	36,085
Tax-exempt	6,525
Dividends	3,694
Interest on federal funds sold and other short-term investments	17,428
Total interest income	644,868
Deposits	260,294
Borrowings	31,323
Total interest expense	291,617
Net interest income	353,251
Provision for credit losses	47,000
Net interest income after provision for credit losses	306,251
Deposit, loan and other income	11,701
Defined benefit pension plan curtailment gain	-3,501
Employee retention tax credit	6,608
Income on bank owned life insurance	9,548
Net gains on sale of loans held-for-sale	2,003
Net gains (losses) on equity securities	1,704
Total noninterest income	35,065
Salaries and employee benefits	111,423
Occupancy and equipment	16,545
Fdic insurance	8,600
Professional and consulting	10,801
Marketing and advertising	3,180
Information technology and communications	20,005
Restructuring and exit charges	994
Merger expenses	34,461
Branch closing expenses	1,275
Bank owned life insurance restructuring charge	327
Amortization of core deposit intangible	7,922
Other expenses	13,040
Total noninterest expenses	228,573
Income before income tax expense	112,743
Income tax expense (benefit)	32,300
Net income	80,443
Preferred dividends	6,036
Net income available to common stockholders	74,407

Basic EPS	1.64
Diluted EPS	1.63
Basic Average Shares	45,197,000
Diluted Average Shares	45,415,000