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	2024-09-30	2024-06-30
Taxable	29,085	28,051	28,099	27,490
Tax-exempt	590	602	610	594
Taxable	2,390	2,329	2,136	2,137
Tax-exempt	568	579	572	560
Other interest and dividend income	1,017	893	1,670	545
Total interest and dividend income	33,650	32,454	33,087	31,326
Interest on deposits	9,456	9,284	10,412	9,314
Interest on short-term borrowings	0	1	184	360
Interest on long-term borrowings - fhlb advances	1,577	1,674	1,983	1,855
Interest on senior notes, net	121	120	120	120
Interest on subordinated debt, net	233	233	232	232
Total interest expense	11,387	11,312	12,931	11,881
Net interest income	22,263	21,142	20,156	19,445
Provision for credit losses	2,163	2,354	1,207	565
Net interest income after provision for credit losses	20,100	18,788	18,949	18,880
Trust revenue	2,056	1,967	1,946	2,014
Brokerage and insurance revenue	490	554	523	527
Revenue-Deposit Account	1,471	1,422	-	-
Revenue-Debit Card	1,137	1,218	-	-
Net gains from sale of loans	408	312	360	235
Revenue-Bank Servicing	107	173	-	-
Revenue from contract with customer, excluding assessed tax	-	-	2,649	2,561
Increase in cash surrender value of life insurance	477	466	458	444
Other noninterest income	1,158	2,030	1,123	1,943
Total noninterest income	7,304	8,142	7,133	7,854
Salaries and employee benefits	11,293	11,067	10,875	11,023
Net occupancy and equipment expense	1,336	1,403	1,377	1,333
Data processing and telecommunications expense	1,939	1,981	1,882	2,003
Automated teller machine and interchange expense	529	403	510	473
Pennsylvania shares tax	469	470	433	434
Professional fees	445	506	555	552
Merger-related expenses	882	167	-	-
Other noninterest expense	2,496	3,401	2,637	3,437
Total noninterest expense	19,389	19,398	18,269	19,255
Income before income tax provision	8,015	7,532	7,813	7,479
Income tax provision	1,464	1,415	1,448	1,366
Net income	6,551	6,117	6,365	6,113

Basic weighted-average common shares outstanding (in shares)	15,398,262	15,359,004	15,267,120	15,264,533
Earnings per common share - basic (in dollars per share)	0.42	0.4	0.41	0.4
Earnings per common share - diluted (in dollars per share)	0.42	0.4	0.41	0.4
Weighted average number of shares outstanding, diluted	15,398,262	15,359,004	15,267,120	15,264,533

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