CNB Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	350.94	293.54	273.22	196.04	166.54
Interest Income on Investments	41.4	31.93	20.47	17.7	13.06
Total Interest Income	392.35	325.47	293.7	213.74	179.6
Interest Paid on Deposits	150.31	133.49	97.77	19.83	15.06
Interest Paid on Borrowings	-	4.51	6.1	4.25	4.76
Total Interest Expense	150.31	138	103.87	24.08	19.82
Net Interest Income	242.04	187.47	189.83	189.66	159.78
Net Interest Income Growth (YoY)	29.11%	-1.24%	0.09%	18.70%	18.61%
Trust Income	10.19	7.85	7.25	7.17	6.74
Mortgage Banking Activities	0.76	0.67	0.68	1.24	3.15
Gain (Loss) on Sale of Assets	-	-0.05	-0.03	0.17	-0.23
Gain (Loss) on Sale of Investments	2.43	0.83	-0.34	-0.5	1.57
Other Non-Interest Income	18.99	22.83	18.4	19.48	16.01
Total Non-Interest Income	40.17	39.11	33.34	34.77	33.43
Non-Interest Income Growth (YoY)	2.69%	17.34%	-4.12%	3.98%	19.16%
Revenues Before Loan Losses	282.2	226.58	223.16	224.43	193.21
Provision for Loan Losses	8.86	9.22	5.99	8.59	6
Revenue	273.35	217.36	217.17	215.84	187.21
Revenue Growth (YoY)	25.76%	0.09%	0.62%	15.29%	27.00%
Salaries and Employee Benefits	89.72	72.31	69.32	70.13	59.69
Occupancy Expenses	18.22	11.66	11.55	11.05	10.6
Federal Deposit Insurance	4.06	3.72	3.88	2.8	2.51
Amortization of Goodwill & Intangibles	1.85	-	-	-	-
Selling, General & Administrative	31.05	33.87	32.45	27.68	20.59
Other Non-Interest Expense	32.15	28.44	28.14	25.97	23.05
Total Non-Interest Expense	177.06	150	145.34	137.62	116.43
EBT Excluding Unusual Items	96.29	67.36	71.83	78.21	70.78
Pretax Income	82.47	67.36	71.83	78.21	70.78
Income Tax Expense	16.33	12.78	13.81	15.03	13.07
Net Income	66.13	54.58	58.02	63.19	57.71
Preferred Dividends & Other Adjustments	4.78	4.69	4.59	4.53	4.49
Net Income to Common	61.35	49.89	53.44	58.66	53.22
Net Income Growth	21.18%	-5.94%	-8.18%	9.50%	76.24%
Basic Shares Outstanding	25	21	21	18	17
Diluted Shares Outstanding	25	21	21	18	17
Shares Change (YoY)	18.04%	-0.21%	16.23%	7.13%	5.13%
EPS (Basic)	2.50	2.39	2.56	3.26	3.16
EPS (Diluted)	2.49	2.39	2.55	3.26	3.16
EPS Growth	4.18%	-6.28%	-21.78%	3.16%	60.53%
Dividend Per Share	0.720	0.710	0.700	0.700	0.685
Dividend Growth	1.41%	1.43%	-	2.19%	0.73%
Effective Tax Rate	19.81%	18.98%	19.23%	19.21%	18.47%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.