Financial insights of CZWI

MyFinsight

For the quarter ending 2025-09-30, CZWI made $45,437K in revenue. $3,682K in net income. Net profit margin of 8.10%.

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

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	19,759	20,105
Interest on investments	2,495	2,397
Total interest and dividend income	22,254	22,502
Interest on deposits	8,220	8,287
Interest on fhlb and frb borrowed funds	1	1
Interest on other borrowed funds	819	903
Total interest expense	9,040	9,191
Net interest income before provision for credit losses	13,214	13,311
Provision for credit losses	650	1,350
Net interest income after provision for credit losses	12,564	11,961
Service charges on deposit accounts	449	432
Interchange income	565	564
Loan servicing income	649	565
Gain on sale of loans	992	699
Loan fees and service charges	173	237
Net gains (losses) on equity securities	-66	99
Bank owned life insurance (boli) death benefit	0	0
Other	260	240
Total non-interest income	3,022	2,836
Compensation and related benefits	6,341	6,008
Occupancy	1,266	1,196
Data processing	1,811	1,753
Amortization of intangible assets	113	179
Mortgage servicing rights expense, net	161	148
Advertising, marketing and public relations	201	194
Fdic premium assessment	195	191
Professional services	359	432
Losses (gains) on repossessed assets, net	4	0
Other	608	649
Total non-interest expense	11,051	10,750
Income before provision for income taxes	4,535	4,047
Provision for income taxes	853	777
Net income attributable to common stockholders	3,682	3,270

Average shares and dilutive potential common shares (shares)	9,921,000	9,997,000
Basic earnings (usd per share)	0.37	0.33
Diluted earnings (usd per share)	0.37	0.33
Weighted average common shares outstanding (shares)	9,911,000	9,989,000