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Balance Sheet
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Income Overview
Net Income
$1,102K
EPS
$0.11
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
19,322
18,769
17,705*
19,759
Interest on cash and investments
2,712
2,747
2,792*
2,495
Total interest and dividend income
22,034
21,516
20,497*
22,254
Interest on deposits
7,819
7,791
8,342*
8,220
Interest on fhlb and frb borrowed funds
1
0
10*
1
Interest on other borrowed funds
710
715
748*
819
Total interest expense
8,530
8,506
9,100*
9,040
Net interest income before provision for credit losses
13,504
13,010
11,397*
13,214
Provision for credit gaines
4,325
750
-1,050*
650
Net interest income after provision for credit losses
9,179
12,260
12,447*
12,564
Service charges on deposit accounts
460
460
442*
449
Interchange income
556
501
493*
565
Loan servicing income
593
661
545*
649
Gain on sale of loans
442
1,021
389*
992
Loan fees and service charges
129
138
61*
173
Net gains on equity securities
160
-59
185*
-66
Bank owned life insurance (boli) death benefit
-
-
0*
0
Other
267
377
243*
260
Total non-interest income
2,607
3,099
2,356*
3,022
Compensation and related benefits
5,712
6,066
5,352*
6,341
Occupancy
1,240
1,278
1,282*
1,266
Data processing
1,302
1,417
1,429*
1,811
Amortization of intangible assets
113
113
146*
113
Mortgage servicing rights expense, net
173
161
158*
161
Advertising, marketing and public relations
207
226
314*
201
Fdic premium assessment
200
231
194*
195
Professional services
514
605
591*
359
(gains) losses on repossessed assets, net
12
0
-39*
4
Other
1,100
630
732*
608
Total non-interest expense
10,549
10,727
10,235*
11,051
Income before provision for income taxes
1,237
4,632
4,568*
4,535
Provision for income taxes
135
877
576*
853
Net income attributable to common stockholders
1,102
3,755
3,992
3,682
Basic EPS
0.11
0.39
0.407
0.37
Diluted EPS
0.11
0.39
0.407
0.37
Basic Average Shares
9,642,000
9,626,000
9,797,000
9,911,000
Diluted Average Shares
9,647,000
9,634,000
9,803,000
9,921,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$19,322K
(-3.89%↓ Y/Y)
Interest on cash and
investments
$2,712K
(13.14%↑ Y/Y)
Total interest and
dividend income
$22,034K
(-2.08%↓ Y/Y)
Net interest income
before provision for...
$13,504K
(1.45%↑ Y/Y)
Loan servicing
income
$593K
(4.96%↑ Y/Y)
Interchange income
$556K
(-1.42%↓ Y/Y)
Service charges on
deposit accounts
$460K
(6.48%↑ Y/Y)
Gain on sale of loans
$442K
(-36.77%↓ Y/Y)
Other
$267K
(11.25%↑ Y/Y)
Net gains on equity
securities
$160K
(61.62%↑ Y/Y)
Loan fees and service
charges
$129K
(-45.57%↓ Y/Y)
Total interest
expense
$8,530K
(-7.19%↓ Y/Y)
Net interest income
after provision for...
$9,179K
(-23.26%↓ Y/Y)
Total non-interest
income
$2,607K
(-8.07%↓ Y/Y)
Provision for credit
gaines
$4,325K
(220.37%↑ Y/Y)
Interest on deposits
$7,819K
(-5.65%↓ Y/Y)
Interest on other
borrowed funds
$710K
(-21.37%↓ Y/Y)
Interest on fhlb and frb
borrowed funds
$1K
(0.00%↑ Y/Y)
Income before
provision for income taxes
$1,237K
(-69.43%↓ Y/Y)
Total non-interest
expense
$10,549K
(-1.87%↓ Y/Y)
(gains) losses on
repossessed assets, net
$12K
Net income
attributable to common...
$1,102K
(-66.30%↓ Y/Y)
Provision for income taxes
$135K
(-82.63%↓ Y/Y)
Compensation and related
benefits
$5,712K
(-4.93%↓ Y/Y)
Data processing
$1,302K
(-25.73%↓ Y/Y)
Occupancy
$1,240K
(3.68%↑ Y/Y)
Other
$1,100K
(69.49%↑ Y/Y)
Professional services
$514K
(18.98%↑ Y/Y)
Advertising, marketing and
public relations
$207K
(6.70%↑ Y/Y)
Fdic premium
assessment
$200K
(4.71%↑ Y/Y)
Mortgage servicing
rights expense, net
$173K
(16.89%↑ Y/Y)
Amortization of intangible
assets
$113K
(-36.87%↓ Y/Y)
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Citizens Community Bancorp Inc. (CZWI)
Citizens Community Bancorp Inc. (CZWI)