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Income Statement
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Balance Sheet
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Income Overview
Net Income
$5,731K
EPS
$0.9
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans and leases, including fees
27,510
25,809
26,312*
27,407
Securities
175
187
217*
55
Fhlb and frb stock dividends
141
142
169*
154
Federal funds sold and other
2,196
1,992
2,207*
2,753
Total interest and dividend income
30,022
28,130
28,904*
30,369
Deposits
13,812
13,484
14,437*
15,205
Fhlb advances and other debt
1,063
1,026
816*
1,045
Subordinated debentures
303
300
315*
329
Total interest expense
15,178
14,810
15,567*
16,579
Net interest income
14,844
13,320
13,337*
13,790
Provision for credit gaines-loans
689
979
-1,774*
4,818
Provision for (recovery of) credit losses-unfunded commitments
255
-375
277*
251
Total provision for credit gaines
944
604
-1,497*
5,069
Net interest income after provision for credit losses
13,900
12,716
14,834*
8,721
Service charges on deposit accounts
917
839
660*
696
Net gains on sales of residential mortgage loans
150
145
94*
209
Net (losses) gains on sales of commercial loans
-
-
-4*
-
Net loss on sale of equity security
-
-
-26*
-
Swap fee income
214
30
-212*
228
Earnings on bank owned life insurance
252
245
230*
237
Other
168
228
240*
348
Total noninterest income
1,701
1,487
980*
1,718
Salaries and employee benefits
4,325
4,328
4,089*
3,800
Occupancy and equipment
398
427
469*
444
Data processing
776
769
799*
709
Franchise and other taxes
385
386
499*
303
Professional fees
849
819
567*
828
Director fees
193
167
136*
187
Postage, printing and supplies
34
48
39*
23
Advertising and marketing
127
336
97*
130
Telephone
44
45
57*
43
Loan expenses
206
198
320*
201
Foreclosed assets, net
1
4
-1*
10
Depreciation
118
123
125*
116
Fdic premiums
436
385
498*
506
Regulatory assessment
45
45
71*
33
Other insurance
57
50
46*
49
Other
344
181
150*
344
Total noninterest expense
8,338
8,311
7,956*
7,726
Income before incomes taxes
7,263
5,892
7,858*
2,713
Income tax expense
1,351
868
1,379*
373
Net income
5,912
5,024
6,479*
2,340
Earnings allocated to participating securities (series d preferred stock)
181
155
200*
72
Net income attributable to common stockholders
5,731
4,869
6,279
2,268
Basic EPS
0.91
0.77
1
0.36
Diluted EPS
0.9
0.77
0.996
0.36
Basic Average Shares
6,320,561
6,286,297
6,277,091
6,292,698
Diluted Average Shares
6,363,549
6,308,071
6,304,321
6,346,243
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans and leases,
including fees
$27,510K
(-1.42%↓ Y/Y)
Federal funds sold and
other
$2,196K
(-2.79%↓ Y/Y)
Securities
$175K
(337.50%↑ Y/Y)
Fhlb and frb stock
dividends
$141K
(-7.84%↓ Y/Y)
Total interest and
dividend income
$30,022K
(-1.11%↓ Y/Y)
Net interest income
$14,844K
(6.02%↑ Y/Y)
Service charges on
deposit accounts
$917K
(27.18%↑ Y/Y)
Earnings on bank owned
life insurance
$252K
(8.62%↑ Y/Y)
Swap fee income
$214K
(9.18%↑ Y/Y)
Other
$168K
(-25.33%↓ Y/Y)
Net gains on sales of
residential mortgage loans
$150K
(-27.18%↓ Y/Y)
Total interest
expense
$15,178K
(-7.21%↓ Y/Y)
Net interest income
after provision for...
$13,900K
(10.55%↑ Y/Y)
Total noninterest
income
$1,701K
(7.66%↑ Y/Y)
Total provision for
credit gaines
$944K
(-33.85%↓ Y/Y)
Deposits
$13,812K
(-9.05%↓ Y/Y)
Fhlb advances and
other debt
$1,063K
(25.65%↑ Y/Y)
Subordinated debentures
$303K
(-7.06%↓ Y/Y)
Income before incomes
taxes
$7,263K
(13.48%↑ Y/Y)
Total noninterest
expense
$8,338K
(7.53%↑ Y/Y)
Provision for credit
gaines-loans
$689K
(-49.71%↓ Y/Y)
Provision for (recovery
of) credit...
$255K
(347.37%↑ Y/Y)
Net income
$5,912K
(17.42%↑ Y/Y)
Income tax expense
$1,351K
(-1.03%↓ Y/Y)
Salaries and employee
benefits
$4,325K
(9.38%↑ Y/Y)
Professional fees
$849K
(-5.56%↓ Y/Y)
Data processing
$776K
(13.62%↑ Y/Y)
Fdic premiums
$436K
(-18.35%↓ Y/Y)
Occupancy and equipment
$398K
(-4.56%↓ Y/Y)
Franchise and other taxes
$385K
(26.64%↑ Y/Y)
Other
$344K
(92.18%↑ Y/Y)
Loan expenses
$206K
(5.10%↑ Y/Y)
Director fees
$193K
(7.22%↑ Y/Y)
Advertising and marketing
$127K
(51.19%↑ Y/Y)
Depreciation
$118K
(0.00%↑ Y/Y)
Other insurance
$57K
(14.00%↑ Y/Y)
Regulatory assessment
$45K
(-29.69%↓ Y/Y)
Telephone
$44K
(2.33%↑ Y/Y)
Postage, printing and
supplies
$34K
(-26.09%↓ Y/Y)
Foreclosed assets, net
$1K
(-66.67%↓ Y/Y)
Net income
attributable to common...
$5,731K
(17.44%↑ Y/Y)
Earnings allocated to
participating securities...
$181K
(16.77%↑ Y/Y)
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CF BANKSHARES INC. (CFBK)
CF BANKSHARES INC. (CFBK)