CCNB Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	59.36	53.79	46.29	37.69	25.81	21.3
Interest Income on Investments	10.11	8.73	7.89	4.47	3.69	1.84
Total Interest Income	69.47	62.51	54.18	42.17	29.5	23.13
Interest Paid on Deposits	24.92	22.85	21.88	12.41	2.22	2.16
Interest Paid on Borrowings	1.33	1.26	1.1	1.9	0.93	0.59
Total Interest Expense	26.25	24.11	22.98	14.32	3.15	2.75
Net Interest Income	43.21	38.41	31.2	27.85	26.35	20.38
Net Interest Income Growth	17.64%	23.09%	12.04%	5.67%	29.28%	18.43%
Gain (Loss) on Sale of Investments	-0	-0	-0	-0	-0	-0
Other Non-Interest Income	1.81	1.7	1.83	1.41	1.21	1.1
Total Non-Interest Income	2.6	2.51	2.59	1.89	2.24	5
Non-Interest Income Growth	-5.02%	-2.84%	37.10%	-15.77%	-55.15%	23.92%
Revenues Before Loan Losses	45.81	40.92	33.79	29.74	28.59	25.38
Provision for Loan Losses	2.02	1.73	0.7	0.44	1.59	0.73
Revenue	43.8	39.19	33.09	29.3	27.01	24.65
Revenue Growth	15.19%	18.44%	12.93%	8.48%	9.57%	26.06%
Salaries and Employee Benefits	16.86	15.79	13.62	11.74	11.27	10.48
Occupancy Expenses	1.84	1.69	1.59	2.07	2.02	2.12
Federal Deposit Insurance	0.84	0.84	0.83	0.76	0.6	0.57
Selling, General & Administrative	6.32	5.93	5.5	3.75	3.51	3.11
Other Non-Interest Expense	2.18	1.06	0.88	0.77	0.75	0.66
Total Non-Interest Expense	28.04	25.31	22.42	19.09	18.15	16.95
EBT Excluding Unusual Items	15.76	13.88	10.67	10.21	8.86	7.7
Pretax Income	15.76	13.88	10.67	10.21	8.86	7.7
Income Tax Expense	3.26	2.94	2.16	2.08	1.65	1.46
Net Income	12.5	10.94	8.51	8.13	7.21	6.24
Net Income to Common	12.5	10.94	8.51	8.13	7.21	6.24
Net Income Growth	18.84%	28.55%	4.63%	12.74%	15.59%	66.81%
Basic Shares Outstanding	7	6	6	6	6	6
Diluted Shares Outstanding	7	6	6	6	6	6
Shares Change	15.84%	1.88%	0.91%	0.08%	0.79%	0.02%
EPS (Basic)	1.72	1.73	1.37	1.31	1.17	1.01
EPS (Diluted)	1.70	1.71	1.36	1.31	1.16	1.01
EPS Growth	2.65%	25.74%	3.82%	12.93%	14.85%	66.33%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Effective Tax Rate	20.70%	21.21%	20.26%	20.39%	18.59%	19.01%