CZFS 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	Jun '26 Jun 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	145.24	144.43	142.69	116.08	74.27	66.37
Interest Income on Investments	15.95	14.74	11.63	11.04	9.09	6.85
Total Interest Income	161.19	159.17	154.32	127.12	83.36	73.22
Interest Paid on Deposits	45.77	47.05	52.33	31.7	7.32	5.84
Interest Paid on Borrowings	12.26	14.12	15.54	15.16	3.91	1.27
Total Interest Expense	58.03	61.17	67.86	46.86	11.22	7.11
Net Interest Income	103.16	98	86.46	80.26	72.13	66.11
Net Interest Income Growth	13.55%	13.36%	7.72%	11.27%	9.11%	6.30%
Trust Income	0.82	0.79	0.82	0.76	0.8	0.87
Gain (Loss) on Sale of Assets	-	-	1.1	-	-	-
Gain (Loss) on Sale of Investments	0.16	0.07	0.15	-0.2	-0.37	0.44
Other Non-Interest Income	10.45	11.2	11.02	9.58	8.94	8.45
Total Non-Interest Income	13.6	14.34	15.4	11.61	9.63	11.04
Non-Interest Income Growth	-6.29%	-6.86%	32.71%	20.51%	-12.79%	-2.40%
Revenues Before Loan Losses	116.76	112.35	101.86	91.87	81.76	77.15
Provision for Loan Losses	2	2.38	2.59	5.53	1.68	1.55
Revenue	114.76	109.97	99.27	86.34	80.08	75.6
Revenue Growth	10.15%	10.78%	14.98%	7.81%	5.92%	6.33%
Salaries and Employee Benefits	39.17	38.78	38.94	34.68	27.5	25.29
Occupancy Expenses	3.14	3.14	2.81	2.55	2.35	2.23
Federal Deposit Insurance	1.53	1.71	2	1.48	0.68	0.52
Amortization of Goodwill & Intangibles	0.44	0.48	0.56	0.37	0.16	0.19
Selling, General & Administrative	8.29	8.18	8.21	6.45	4.78	4.72
Other Non-Interest Expense	12.59	12.18	12.66	9.8	8.82	8.06
Total Non-Interest Expense	65.63	64.73	65.39	55.49	44.29	41.44
EBT Excluding Unusual Items	49.13	45.24	33.88	30.84	35.79	34.16
Pretax Income	50.49	45.24	33.88	21.58	35.5	35.32
Income Tax Expense	9.44	8.67	6.07	3.76	6.44	6.2
Net Income	41.05	36.57	27.82	17.81	29.06	29.12
Net Income to Common	41.05	36.57	27.82	17.81	29.06	29.12
Net Income Growth	29.90%	31.47%	56.18%	-38.71%	-0.20%	15.99%
Basic Shares Outstanding	5	5	5	4	4	4
Diluted Shares Outstanding	5	5	5	4	4	4
Shares Change	-0.03%	-0.04%	7.28%	9.28%	-0.20%	2.54%
EPS (Basic)	8.56	7.62	5.80	3.98	7.09	7.09
EPS (Diluted)	8.55	7.62	5.79	3.98	7.09	7.09
EPS Growth	29.95%	31.61%	45.51%	-43.91%	-0.00%	13.15%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Dividend Per Share	2.010	1.980	1.931	1.899	1.843	1.794
Dividend Growth	3.08%	2.54%	1.69%	3.06%	2.71%	3.88%
Effective Tax Rate	18.69%	19.16%	17.90%	17.45%	18.13%	17.55%

SEC Filings: 10-K · 10-Q