Financial insights of CZWI

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$3,755K
EPS
$0.39
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	18,769	17,705*	19,759	20,105
Interest on cash and investments	2,747	2,792*	2,495	2,397
Total interest and dividend income	21,516	20,497*	22,254	22,502
Interest on deposits	7,791	8,342*	8,220	8,287
Interest on fhlb and frb borrowed funds	0	10*	1	1
Interest on other borrowed funds	715	748*	819	903
Total interest expense	8,506	9,100*	9,040	9,191
Net interest income before provision for credit losses	13,010	11,397*	13,214	13,311
Provision (provision reversal) for credit gaines	750	-1,050*	650	1,350
Bank owned life insurance (boli) death benefit	-	0*	0	0
Net interest income after provision for credit losses	12,260	12,447*	12,564	11,961
Service charges on deposit accounts	460	442*	449	432
Interchange income	501	493*	565	564
Loan servicing income	661	545*	649	565
Gain on sale of loans	1,021	389*	992	699
Loan fees and service charges	138	61*	173	237
Net (losses) gains on equity securities	-59	185*	-66	99
Other	377	243*	260	240
Total non-interest income	3,099	2,356*	3,022	2,836
Compensation and related benefits	6,066	5,352*	6,341	6,008
Occupancy	1,278	1,282*	1,266	1,196
Data processing	1,417	1,429*	1,811	1,753
Amortization of intangible assets	113	146*	113	179
Mortgage servicing rights expense, net	161	158*	161	148
Advertising, marketing and public relations	226	314*	201	194
Fdic premium assessment	231	194*	195	191
Professional services	605	591*	359	432
Losses on repossessed assets, net	0	-39*	4	0
Other	630	732*	608	649
Total non-interest expense	10,727	10,235*	11,051	10,750
Income before provision for income taxes	4,632	4,568*	4,535	4,047
Provision for income taxes	877	576*	853	777
Net income attributable to common stockholders	3,755	3,992	3,682	3,270

Basic EPS	0.39	0.407	0.37	0.33
Diluted EPS	0.39	0.407	0.37	0.33
Basic Average Shares	9,626,000	9,797,000	9,911,000	9,989,000
Diluted Average Shares	9,634,000	9,803,000	9,921,000	9,997,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$3,755K
EPS
$0.39
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income
$3,755K
EPS
$0.39
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$3,755KEPS$0.39Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$3,755KEPS$0.39Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$3,755K
EPS
$0.39
Unit: Thousand (K) dollars

Net Income
$3,755K
EPS
$0.39
Unit: Thousand (K) dollars