Financial insights of CZNC

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$6,551K
EPS
$0.42
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2024-12-31	2024-09-30
Taxable	29,085	28,051	27,013*	28,099
Tax-exempt	590	602	590*	610
Taxable	2,390	2,329	2,184*	2,136
Tax-exempt	568	579	562*	572
Other interest and dividend income	1,017	893	1,111*	1,670
Total interest and dividend income	33,650	32,454	31,459*	33,087
Interest on deposits	9,456	9,284	9,611*	10,412
Interest on short-term borrowings	0	1	352*	184
Interest on long-term borrowings - fhlb advances	1,577	1,674	1,431*	1,983
Interest on senior notes, net	121	120	121*	120
Interest on subordinated debt, net	233	233	230*	232
Total interest expense	11,387	11,312	11,745*	12,931
Net interest income	22,263	21,142	19,714*	20,156
Provision for credit gaines	2,163	2,354	-463*	1,207
Net interest income after provision for credit losses	20,100	18,788	20,177*	18,949
Trust revenue	2,056	1,967	1,988*	1,946
Brokerage and insurance revenue	490	554	696*	523
Revenue-Deposit Account	1,471	1,422	-	-
Revenue-Debit Card	1,137	1,218	-	-
Net gains from sale of loans	408	312	266*	360
Revenue-Bank Servicing	107	173	-	-
Revenue	-	-	2,672*	2,649
Increase in cash surrender value of life insurance	477	466	477*	458
Other noninterest income	1,158	2,030	631*	1,123
Total noninterest income	7,304	8,142	6,729*	7,133
Salaries and employee benefits	11,293	11,067	12,083*	10,875
Net occupancy and equipment expense	1,336	1,403	1,408*	1,377
Data processing and telecommunications expense	1,939	1,981	1,941*	1,882
Automated teller machine and interchange expense	529	403	344*	510
Pennsylvania shares tax	469	470	433*	433
Professional fees	445	506	515*	555
Merger-related expenses	882	167	-	-
Other noninterest expense	2,496	3,401	1,250*	2,637
Total noninterest expense	19,389	19,398	17,972*	18,269
Income before income tax provision	8,015	7,532	8,933*	7,813
Income tax provision	1,464	1,415	1,692*	1,448
Net income	6,551	6,117	7,241	6,365

Basic EPS	0.42	0.4	0.475	0.41
Diluted EPS	0.42	0.4	0.475	0.41
Basic Average Shares	15,398,262	15,359,004	15,255,859	15,267,120
Diluted Average Shares	15,398,262	15,359,004	15,255,859	15,267,120

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

MyFinsight

Income Overview

Net Income
$6,551K
EPS
$0.42
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
$6,551K
EPS
$0.42
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$6,551KEPS$0.42Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$6,551KEPS$0.42Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$6,551K
EPS
$0.42
Unit: Thousand (K) dollars

Net Income
$6,551K
EPS
$0.42
Unit: Thousand (K) dollars