Financial insights of CPF

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	263,906
Taxable investment securities	38,849
Tax-exempt investment securities	2,822
Dividend income on investment securities	0
Deposits in other financial institutions	7,096
Dividend income on frb and fhlb stock	1,489
Total interest income	314,162
Demand	1,826
Savings and money market	34,178
Time	30,132
Short-term borrowings	0
Long-term debt	7,143
Total interest expense	73,279
Net interest income	240,883
Provision (credit) for credit losses	15,712
Net interest income after provision for credit losses	225,171
Mortgage banking income	3,485
Service charges on deposit accounts	9,024
Other service charges and fees	23,765
Income from fiduciary activities	6,201
Income from bank-owned life insurance	7,452
Net loss on sales of investment securities	-30
Other	1,920
Other operating income	51,817
Salaries and employee benefits	93,754
Net occupancy	17,675
Computer software	20,627
Legal and professional services	11,218
Equipment	3,724
Advertising	3,392
Communication	3,220
Other	25,097
Total other operating expense	178,707
Income before income taxes	98,281
Income tax expense	20,801
Net income	77,480

Basic EPS	2.88
Diluted EPS	2.86
Basic Average Shares	26,931,761
Diluted Average Shares	27,045,170