Financial insights of CZFS

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Interest and fees on loans	144,430	-
Interest-bearing deposits with banks	502	-
Taxable	9,910	-
Nontaxable	2,626	-
Dividends	1,700	-
Total interest and dividend income	159,168	154,317
Deposits	47,050	-
Borrowed funds	14,117	-
Total interest expense	61,167	-
Net interest income	98,001	-
Provision for credit losses	2,375	-
Net interest income after provision for credit losses	95,626	-
Service charges	5,569	-
Trust	792	-
Brokerage and insurance	2,627	-
Equity security gains (losses), net	67	-
Available for sale security losses, net	0	-
Gains on loans sold	2,290	-
Earnings on bank owned life insurance	1,433	-
Gain on sale of braavo division	0	-
Other	1,566	-
Total non-interest income	14,344	-
Salaries and employee benefits	39,402	-
Occupancy	5,299	-
Furniture and equipment	1,209	-
Professional fees	2,341	-
Federal depository insurance	1,710	-
Pennsylvania shares tax	739	-
Amortization of intangibles	478	-
Merger and acquisition	0	-
Ore expenses	267	-
Software expenses	1,844	-
Other	11,443	-
Total non-interest expenses	64,732	-
Income before provision for income taxes	45,238	-
Provision for income taxes	8,666	-
Net income	36,572	-

Basic EPS	7.62	5.86
Diluted EPS	7.62	5.85
Basic Average Shares	4,797,520	4,750,185
Diluted Average Shares	4,800,093	4,755,066