Financial insights of CPF

MyFinsight

For the quarter ending 2025-09-30, CPF made $159,163K in revenue. $18,574K in net income. Net profit margin of 11.67%.

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

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	67,222	65,668
Taxable investment securities	9,776	9,871
Tax-exempt investment securities	709	709
Interest on deposits in other financial institutions	1,857	1,484
Dividend income on fhlb and frb stock	395	388
Total interest income	79,959	78,120
Demand	490	443
Savings and money market	8,898	8,414
Time	7,410	7,616
Interest on short-term borrowings	0	0
Interest on long-term debt	1,860	1,851
Total interest expense	18,658	18,324
Net interest income	61,301	59,796
Provision for credit losses	4,157	4,987
Net interest income after provision for credit losses	57,144	54,809
Mortgage banking income	958	744
Service charges on deposit accounts	2,330	2,124
Other service charges and fees	6,472	5,957
Income from fiduciary activities	1,547	1,501
Income from bank-owned life insurance	1,879	2,260
Net loss on sales of investment securities	-30	-
Other	351	427
Total other operating income	13,507	13,013
Salaries and employee benefits	24,749	22,696
Net occupancy	4,598	4,253
Computer software	5,151	5,320
Legal and professional services	2,669	2,873
Equipment	867	950
Advertising	730	832
Communication	791	901
Other	7,454	6,121
Total other operating expense	47,009	43,946
Income before income taxes	23,642	23,876
Income tax expense	5,068	5,605
Net income	18,574	18,271

Basic earnings per share (in dollars per share)	0.69	0.68
Basic weighted average shares outstanding (in shares)	26,968,163	26,988,169
Diluted earnings per share (in dollars per share)	0.69	0.67
Diluted weighted average shares outstanding (in shares)	27,083,280	27,069,677