Financial insights of CZFS

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$10,376K
EPS
$2.16
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	36,362	37,450*	36,418	35,227
Interest-bearing deposits with banks	103	126*	119	132
Taxable	2,511	2,422*	2,595	2,397
Nontaxable	879	724*	684	584
Dividends	422	430*	438	409
Total interest and dividend income	40,277	41,151	40,254	38,749
Deposits	11,305	11,721*	11,501	11,449
Borrowed funds	2,859	3,220*	3,613	3,652
Total interest expense	14,164	14,940	15,114	15,101
Net interest income	26,113	26,499*	25,140	23,648
Provision for credit losses	500	500*	500	750
Net interest income after provision for credit losses	25,613	25,999*	24,640	22,898
Service charges	1,324	1,550*	1,598	1,303
Trust	235	239*	186	183
Available for sale security losses, net	-	0*	-	-
Brokerage and insurance	569	545*	761	627
Gains on loans sold	265	118*	709	739
Equity security losss (gaines), net	19	-32*	34	32
Gain on sale of braavo division	-	0*	0	0
Earnings on bank owned life insurance	570	356*	363	355
Other	708	623*	203	426
Total non-interest income	3,690	3,398	3,854	3,665
Salaries and employee benefits	10,276	9,213	9,924	9,976
Occupancy	1,412	1,441	1,320	1,182
Furniture and equipment	287	323*	273	318
Professional fees	540	814*	493	525
Fdic insurance	395	375*	395	495
Pennsylvania shares tax	377	-363*	430	305
Amortization of intangibles	106	118*	113	127
Merger and acquisition	-	0*	-	-
Software expenses	455	479*	457	453
Other real estate owned expenses	196	149*	6	73
Other	2,557	3,764*	2,723	2,693
Total non-interest expenses	16,601	16,311*	16,134	16,147
Income before provision for income taxes	12,702	13,086	12,360	10,416
Provision for income taxes	2,326	2,603	2,355	1,953
Net income	10,376	10,483	10,005	8,463

Basic EPS	2.16	2.164	2.09	1.76
Diluted EPS	2.16	2.161	2.09	1.76
Basic Average Shares	4,798,170	4,844,880	4,796,946	4,797,716
Diluted Average Shares	4,799,078	4,849,994	4,798,051	4,800,384

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$10,376K
EPS
$2.16
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$10,376K
EPS
$2.16
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$10,376KEPS$2.16Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$10,376KEPS$2.16Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$10,376K
EPS
$2.16
Unit: Thousand (K) dollars

Net Income
$10,376K
EPS
$2.16
Unit: Thousand (K) dollars