Financial insights of CZWI

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	77,500
Interest on cash and investments	10,130
Total interest and dividend income	87,630
Interest on deposits	33,102
Interest on fhlb borrowed funds	13
Interest on other borrowed funds	3,331
Total interest expense	36,446
Net interest income before provision for credit losses	51,184
Provision (provision reversal) for credit losses	1,950
Net interest income after provision for credit losses	49,234
Service charges on deposit accounts	1,763
Interchange income	2,186
Loan servicing income	2,366
Gain on sale of loans	2,925
Loan fees and service charges	676
Net gains (losses) on equity securities	234
Bank owned life insurance (boli) death benefit	0
Other	993
Total non-interest income	11,143
Compensation and related benefits	23,875
Occupancy	4,975
Data processing	6,775
Amortization of intangible assets	584
Mortgage servicing rights expense, net	621
Advertising, marketing and public relations	906
Fdic premium assessment	773
Professional services	1,777
Losses on repossessed assets, net	-33
Other	2,617
Total non-interest expense	42,936
Income before provision for income taxes	17,441
Provision for income taxes	3,021
Net income attributable to common stockholders	14,420

Basic EPS	1.46
Diluted EPS	1.46
Basic Average Shares	9,899,000
Diluted Average Shares	9,907,000