CCNB 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	53.79	46.29	37.69	25.81	21.3
Interest Income on Investments	8.73	7.89	4.47	3.69	1.84
Total Interest Income	62.51	54.18	42.17	29.5	23.13
Interest Paid on Deposits	22.85	21.88	12.41	2.22	2.16
Interest Paid on Borrowings	1.26	1.1	1.9	0.93	0.59
Total Interest Expense	24.11	22.98	14.32	3.15	2.75
Net Interest Income	38.41	31.2	27.85	26.35	20.38
Net Interest Income Growth (YoY)	23.09%	12.04%	5.67%	29.28%	18.43%
Gain (Loss) on Sale of Investments	-	-0	-0	-0	-0
Other Non-Interest Income	2.17	1.83	1.41	1.21	1.1
Total Non-Interest Income	2.51	2.59	1.89	2.24	5
Non-Interest Income Growth (YoY)	-2.87%	37.10%	-15.77%	-55.15%	23.92%
Revenues Before Loan Losses	40.92	33.79	29.74	28.59	25.38
Provision for Loan Losses	1.73	0.7	0.44	1.59	0.73
Revenue	39.19	33.09	29.3	27.01	24.65
Revenue Growth (YoY)	18.44%	12.93%	8.48%	9.57%	26.06%
Salaries and Employee Benefits	16.15	14.09	11.74	11.27	10.48
Occupancy Expenses	2.37	2.21	2.07	2.02	2.12
Federal Deposit Insurance	-	0.83	0.76	0.6	0.57
Selling, General & Administrative	2.81	4.42	3.75	3.51	3.11
Other Non-Interest Expense	3.98	0.88	0.77	0.75	0.66
Total Non-Interest Expense	25.31	22.42	19.09	18.15	16.95
EBT Excluding Unusual Items	13.88	10.67	10.21	8.86	7.7
Pretax Income	13.88	10.67	10.21	8.86	7.7
Income Tax Expense	2.94	2.16	2.08	1.65	1.46
Net Income	10.94	8.51	8.13	7.21	6.24
Net Income to Common	10.94	8.51	8.13	7.21	6.24
Net Income Growth	28.55%	4.63%	12.74%	15.59%	66.81%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	1.88%	0.91%	0.08%	0.79%	0.02%
EPS (Basic)	1.73	1.37	1.31	1.17	1.01
EPS (Diluted)	1.71	1.36	1.31	1.16	1.01
EPS Growth	25.74%	3.82%	12.93%	14.85%	66.33%
Effective Tax Rate	21.21%	20.26%	20.39%	18.59%	19.01%

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