| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 11,805 | 9,465 |
| Provision for credit losses | 7,078 | 2,009 |
| Depreciation | 352 | 236 |
| Accretion, net | 1,403 | 974 |
| Deferred income tax expense | 125 | -344 |
| Net loss on sale of equity security | -103 | -103 |
| Originations of loans held for sale | 35,683 | 23,197 |
| Proceeds from sale of loans held for sale | 36,351 | 24,527 |
| Net gains on sales of residential mortgage loans | 529 | 320 |
| Net losses (gains) on sales of commercial loans | -18 | -18 |
| Earnings on bank owned life insurance | 694 | 457 |
| Stock-based compensation expense | 1,074 | 704 |
| Operating lease right-of-use asset | 493 | 327 |
| Accrued interest receivable and other assets | 1,476 | -112 |
| Operating lease liability | 450 | 297 |
| Accrued interest payable and other liabilities | -1,522 | -1,750 |
| Net cash from operating activities | 15,642 | 10,162 |
| Available-for-sale securities maturities, prepayments and calls | 1,000 | 1,000 |
| Available-for-sale securities, purchases | 1,000 | 1,000 |
| Proceeds from the sale of equity security | 4,897 | 4,897 |
| Loan and lease originations and payments, net | 30,534 | 52,436 |
| Purchase of loans and leases | 2,337 | 2,336 |
| Proceeds from the sale of loans | 20,441 | 20,441 |
| Additions to premises and equipment | 432 | 169 |
| Redemption (purchase) of fhlb and frb stock | -575 | -887 |
| Other adjustments | -430 | -346 |
| Proceeds from the sale of foreclosed assets | 524 | - |
| Net cash used by investing activities | -6,436 | -28,370 |
| Net change in deposits | 22,811 | 54,053 |
| Proceeds from fhlb advances and other debt | 10,130 | 10,080 |
| Repayments on fhlb advances and other debt | 1,880 | 1,830 |
| Net change in advances by borrowers for taxes and insurance | -759 | -1,864 |
| Cash dividends paid | 1,428 | 909 |
| Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes | 148 | 143 |
| Purchase of treasury shares | 843 | 767 |
| Net cash from (used by) financing activities | 27,883 | 58,620 |
| Net change in cash and cash equivalents | 37,089 | 40,412 |
| Cash and cash equivalents at beginning of period | 235,272 | - |
| Cash and cash equivalents at end of period | 272,361 | - |
CF BANKSHARES INC. (CFBK)
CF BANKSHARES INC. (CFBK)