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Balance Sheet
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Income Overview
Net Income
$71,560K
EPS
$2.05
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans and leases
268,628
258,734
248,010*
272,131
Investment securities
34,727
32,141
29,582*
36,091
Interest earning deposits
37,628
41,830
42,971*
49,639
Loans held for sale
1,280
1,235
4,496*
1,589
Other
2,394
2,372
2,059*
2,029
Total interest income
344,657
336,312
327,117*
361,479
Deposits
130,296
126,126
125,092*
141,983
Fhlb advances
17,109
12,935
13,460*
12,945
Frb advances
-
-
0*
-
Subordinated debt
2,723
4,621
3,327*
3,251
Interest expense, federal funds purchased
99
13
-
-
Other borrowings
1,064
1,266
923*
1,388
Total interest expense
151,291
144,961
142,801*
159,567
Net interest income
193,366
191,351
184,316*
201,912
Provision for credit losses
23,067
23,372
26,972*
26,543
Net interest income after provision for credit losses
170,299
167,979
157,344*
175,369
Commercial lease income
15,392
15,418
13,558*
11,536
Loan fees
8,673
10,506
4,381*
11,443
Bank-owned life insurance
2,213
3,084
4,642*
2,165
Mortgage finance transactional fees
1,332
1,306
1,036*
1,298
Net gain (loss) on sale of loans and leases
1,061
1,044
-60*
0
Loss on sale of capital call lines of credit
-
-
0*
-
Net (loss) gain on sale of investment securities
154
355
779*
186
Impairment loss on debt securities
0
0
-51,318*
0
Unrealized gain on equity method investments
-
-
0*
0
Other
5,218
2,603
5,112*
3,563
Total non-interest income
34,043
34,316
-21,872*
30,191
Salaries and employee benefits
56,037
51,294
47,133*
48,723
Technology, communication and bank operations
12,891
11,643
12,302*
10,415
Commercial lease depreciation
12,761
12,692
11,028*
9,463
Professional services
10,024
11,695
11,182*
12,281
Loan servicing
3,710
3,859
4,570*
4,167
Occupancy
3,495
3,956
3,743*
4,370
Fdic assessments, non-income taxes and regulatory fees
4,585
8,215
10,568*
8,505
Advertising and promotion
481
554
792*
636
Legal settlement expense
-
-
0*
-
Other
10,907
8,080
12,844*
6,657
Total non-interest expense
114,891
111,988
114,159*
105,217
Income before income tax expense
89,451
90,307
21,313*
100,343
Income tax expense
17,891
20,654
502*
24,598
Net income
71,560
69,653
20,811*
75,745
Preferred stock dividends
0
0
4,141*
2,019
Loss on redemption of preferred stock
0
-
1,845*
0
Net income available to common shareholders, basic
71,560
69,653
14,825
73,726
Net income available to common shareholders, diluted
-
69,653
-
73,726
Basic EPS
2.12
2.04
0.446
2.28
Diluted EPS
2.05
1.97
0.43
2.2
Basic Average Shares
33,796,369
34,080,834
33,254,258
32,340,813
Diluted Average Shares
34,905,731
35,313,835
34,480,772
33,460,055
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans and leases
$268,628K
(8.81%↑ Y/Y)
Interest earning
deposits
$37,628K
(-5.86%↓ Y/Y)
Investment securities
$34,727K
(-7.10%↓ Y/Y)
Other
$2,394K
(21.34%↑ Y/Y)
Loans held for sale
$1,280K
(-29.13%↓ Y/Y)
Total interest income
$344,657K
(5.08%↑ Y/Y)
Net interest income
$193,366K
(9.43%↑ Y/Y)
Commercial lease income
$15,392K
(39.22%↑ Y/Y)
Loan fees
$8,673K
(-4.76%↓ Y/Y)
Other
$5,218K
(-33.25%↓ Y/Y)
Bank-owned life insurance
$2,213K
(-1.60%↓ Y/Y)
Mortgage finance
transactional fees
$1,332K
(13.36%↑ Y/Y)
Net gain (loss) on
sale of loans and...
$1,061K
Net (loss) gain on
sale of investment...
$154K
(108.57%↑ Y/Y)
Total interest
expense
$151,291K
(-0.00%↓ Y/Y)
Net interest income
after provision for...
$170,299K
(9.22%↑ Y/Y)
Total non-interest
income
$34,043K
(14.99%↑ Y/Y)
Provision for credit
losses
$23,067K
(11.00%↑ Y/Y)
Deposits
$130,296K
(-2.80%↓ Y/Y)
Fhlb advances
$17,109K
(34.54%↑ Y/Y)
Subordinated debt
$2,723K
(-15.67%↓ Y/Y)
Other borrowings
$1,064K
(-18.59%↓ Y/Y)
Interest expense,
federal funds purchased
$99K
Income before income
tax expense
$89,451K
(13.37%↑ Y/Y)
Total non-interest
expense
$114,891K
(7.75%↑ Y/Y)
Net income
$71,560K
(17.43%↑ Y/Y)
Income tax expense
$17,891K
(-0.40%↓ Y/Y)
Salaries and employee
benefits
$56,037K
(22.22%↑ Y/Y)
Technology, communication
and bank operations
$12,891K
(24.17%↑ Y/Y)
Commercial lease
depreciation
$12,761K
(45.96%↑ Y/Y)
Other
$10,907K
(39.26%↑ Y/Y)
Professional services
$10,024K
(-27.62%↓ Y/Y)
Fdic assessments,
non-income taxes and...
$4,585K
(-61.49%↓ Y/Y)
Loan servicing
$3,710K
(-8.46%↓ Y/Y)
Occupancy
$3,495K
(-1.58%↓ Y/Y)
Advertising and promotion
$481K
(4.34%↑ Y/Y)
Net income
available to common...
$71,560K
(28.14%↑ Y/Y)
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Customers Bancorp, Inc. (CUBB)
Customers Bancorp, Inc. (CUBB)