CPKF 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	57.28	50.74	40.59	33.18	32.94
Interest Income on Investments	27.26	25.78	18.71	14.1	11.97
Total Interest Income	84.54	76.53	59.3	47.28	44.9
Interest Paid on Deposits	27.49	27.97	15.25	1.75	2.57
Interest Paid on Borrowings	2.98	2.5	2.43	1.45	0.78
Total Interest Expense	30.47	30.48	17.68	3.19	3.35
Net Interest Income	54.08	46.05	41.61	44.08	41.55
Net Interest Income Growth (YoY)	17.42%	10.66%	-5.61%	6.09%	24.00%
Trust Income	4.92	4.46	3.98	4.07	4.39
Mortgage Banking Activities	1.04	1.02	0.87	1.68	2.78
Gain (Loss) on Sale of Assets	0.41	-	-	-	-
Gain (Loss) on Sale of Investments	-8.52	0.86	0.23	-1.14	0.73
Other Non-Interest Income	19.81	16.53	17.2	17.58	11.41
Total Non-Interest Income	17.73	22.69	22.29	22.19	19.31
Non-Interest Income Growth (YoY)	-21.87%	1.78%	0.44%	14.91%	-1.59%
Revenues Before Loan Losses	71.8	68.74	63.9	66.28	60.87
Provision for Loan Losses	1.1	0.88	0.79	0.7	-0.4
Revenue	70.7	67.86	63.11	65.58	61.27
Revenue Growth (YoY)	4.19%	7.52%	-3.75%	7.03%	19.69%
Salaries and Employee Benefits	33.71	31.12	27.49	24.72	22.96
Federal Deposit Insurance	0.75	0.76	0.62	0.37	-
Amortization of Goodwill & Intangibles	0.22	0.22	0.15	-	-
Selling, General & Administrative	15.67	15.06	14.99	13.45	5.93
Other Non-Interest Expense	8.66	7.32	7.49	6.52	14.66
Total Non-Interest Expense	59.01	54.48	50.77	45.12	43.95
EBT Excluding Unusual Items	11.69	13.38	12.34	20.45	17.31
Pretax Income	11.69	13.38	12.34	20.45	17.31
Income Tax Expense	1.69	1.95	2.22	2.82	2.3
Net Income	10	11.43	10.12	17.63	15.01
Net Income to Common	10	11.43	10.12	17.63	15.01
Net Income Growth	-12.49%	12.93%	-42.59%	17.45%	27.75%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	-0.11%	0.33%	-0.41%	-2.21%	-1.48%
EPS (Basic)	2.12	2.42	2.15	3.74	3.11
EPS (Diluted)	2.12	2.42	2.15	3.73	3.11
EPS Growth	-12.40%	12.56%	-42.36%	19.94%	29.58%
Dividend Per Share	0.650	0.630	0.610	0.580	0.530
Dividend Growth	3.17%	3.28%	5.17%	9.43%	6.00%
Effective Tax Rate	14.44%	14.57%	18.02%	13.81%	13.30%

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