Financial insights of CZNC

MyFinsight

For the quarter ending 2025-09-30, CZNC made $71,730K in revenue. $6,551K in net income. Net profit margin of 9.13%.

Income Overview

Revenue
$71,730K
Net Income
$6,551K
Net Profit Margin
9.13%
EPS
$0.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Interest on deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-12-31	2024-09-30
Taxable	29,085	28,051	27,404	28,099
Tax-exempt	590	602	596	610
Taxable	2,390	2,329	2,160	2,136
Tax-exempt	568	579	564	572
Other interest and dividend income	1,017	893	1,109	1,670
Total interest and dividend income	33,650	32,454	31,833	33,087
Interest on deposits	9,456	9,284	9,737	10,412
Interest on short-term borrowings	0	1	312	184
Interest on long-term borrowings - fhlb advances	1,577	1,674	1,675	1,983
Interest on senior notes, net	121	120	121	120
Interest on subordinated debt, net	233	233	231	232
Total interest expense	11,387	11,312	12,076	12,931
Net interest income	22,263	21,142	19,757	20,156
Provision for credit losses	2,163	2,354	212	1,207
Net interest income after provision for credit losses	20,100	18,788	19,546	18,949
Trust revenue	2,056	1,967	1,984	1,946
Brokerage and insurance revenue	490	554	611	523
Revenue-Deposit Account	1,471	1,422	-	-
Revenue-Debit Card	1,137	1,218	-	-
Net gains from sale of loans	408	312	282	360
Revenue-Bank Servicing	107	173	-	-
Revenue	-	-	2,467	2,649
Increase in cash surrender value of life insurance	477	466	464	458
Other noninterest income	1,158	2,030	1,082	1,123
Total noninterest income	7,304	8,142	7,111	7,133
Salaries and employee benefits	11,293	11,067	11,516	10,875
Net occupancy and equipment expense	1,336	1,403	1,382	1,377
Data processing and telecommunications expense	1,939	1,981	1,942	1,882
Automated teller machine and interchange expense	529	403	418	510
Pennsylvania shares tax	469	470	433	433
Professional fees	445	506	534	555
Merger-related expenses	882	167	-	-
Other noninterest expense	2,496	3,401	2,144	2,637
Total noninterest expense	19,389	19,398	18,367	18,269
Income before income tax provision	8,015	7,532	8,290	7,813
Income tax provision	1,464	1,415	1,550	1,448
Net income	6,551	6,117	6,740	6,365

Basic weighted-average common shares outstanding (in shares)	15,398,262	15,359,004	-7,634,574.5	15,267,120
Earnings per common share - basic (in dollars per share)	0.42	0.4	0.44	0.41
Earnings per common share - diluted (in dollars per share)	0.42	0.4	0.44	0.41
Weighted average number of shares outstanding, diluted	15,398,262	15,359,004	-7,634,574.5	15,267,120

MyFinsight

Income Overview

Revenue
$71,730K
Net Income
$6,551K
Net Profit Margin
9.13%
EPS
$0.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$71,730K
Net Income
$6,551K
Net Profit Margin
9.13%
EPS
$0.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$71,730KNet Income$6,551KNet Profit Margin9.13%EPS$0.42Unit: Thousand (K) dollarsRevenue BreakdownTaxableSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$71,730KNet Income$6,551KNet Profit Margin9.13%EPS$0.42Unit: Thousand (K) dollarsRevenue BreakdownTaxableSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Revenue
$71,730K
Net Income
$6,551K
Net Profit Margin
9.13%
EPS
$0.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Interest on deposits
Others

Revenue
$71,730K
Net Income
$6,551K
Net Profit Margin
9.13%
EPS
$0.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Interest on deposits
Others