Financial insights of CZNC

MyFinsight

Income Overview

Revenue
$1,650K
Net Income
$273K
Net Profit Margin
16.55%
EPS
$0.02
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-09-30	2025-06-30	2024-12-31
Revenue-Deposit Account	1,650	1,471	1,422	NaN
Revenue-Debit Card	1,267	1,137	1,218	NaN
Revenue-Bank Servicing	108	107	173	NaN
Trust revenue	2,085	2,056	1,967	1,988*
Brokerage and insurance revenue	588	490	554	696*
Net gains from sale of loans	370	408	312	266*
Revenue	NaN	NaN	NaN	2,672*
Increase in cash surrender value of life insurance	515	477	466	477*
Other noninterest income	1,586	1,158	2,030	631*
Realized gains on available-for-sale debt securities, net	26	NaN	NaN	NaN
Total noninterest income	8,195	7,304	8,142	6,729*
And Fee Income Loans	35,641	29,085	28,051	27,013*
On Loans To Political Subdivisions	619	590	602	590*
Income Securities	3,518	2,390	2,329	2,184*
Income Securities Tax Exempt	562	568	579	562*
Other interest and dividend income	248	1,017	893	1,111*
Total interest and dividend income	40,588	33,650	32,454	31,459*
Interest on deposits	10,058	9,456	9,284	9,611*
Interest on short-term borrowings	276	0	1	352*
Interest on long-term borrowings - fhlb advances	1,446	1,577	1,674	1,431*
Interest on senior notes, net	121	121	120	121*
Interest on subordinated debt, net	233	233	233	230*
Total interest expense	12,134	11,387	11,312	11,745*
Net interest income	28,454	22,263	21,142	19,714*
Provision for credit gaines	13,602	2,163	2,354	-463*
Net interest income after provision for credit losses	14,852	20,100	18,788	20,177*
Salaries and employee benefits	13,201	11,293	11,067	12,083*
Net occupancy and equipment expense	1,891	1,336	1,403	1,408*
Data processing and telecommunications expense	2,449	1,939	1,981	1,941*
Merger-related expenses	NaN	882	167	NaN
Automated teller machine and interchange expense	583	529	403	344*
Pennsylvania shares tax	585	469	470	433*
Professional fees	639	445	506	515*
Other noninterest expense	3,364	2,496	3,401	1,250*
Total noninterest expense	22,712	19,389	19,398	17,972*
Income before income tax provision	335	8,015	7,532	8,933*
Income tax provision	62	1,464	1,415	1,692*
Net income	273	6,551	6,117	7,241

Basic EPS	0.02	0.42	0.4	0.475
Diluted EPS	0.02	0.42	0.4	0.475
Basic Average Shares	17,732,537	15,398,262	15,359,004	15,255,859
Diluted Average Shares	17,732,537	15,398,262	15,359,004	15,255,859

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

MyFinsight

Income Overview

Revenue
$1,650K
Net Income
$273K
Net Profit Margin
16.55%
EPS
$0.02
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Revenue
$1,650K
Net Income
$273K
Net Profit Margin
16.55%
EPS
$0.02
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Revenue$1,650KNet Income$273KNet Profit Margin16.55%EPS$0.02Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Revenue$1,650KNet Income$273KNet Profit Margin16.55%EPS$0.02Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Revenue
$1,650K
Net Income
$273K
Net Profit Margin
16.55%
EPS
$0.02
Unit: Thousand (K) dollars

Revenue
$1,650K
Net Income
$273K
Net Profit Margin
16.55%
EPS
$0.02
Unit: Thousand (K) dollars