| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Loans and leases, including fees | 27,407 | 27,907 | ||
| Securities | 55 | 40 | ||
| Fhlb and frb stock dividends | 154 | 153 | ||
| Federal funds sold and other | 2,753 | 2,259 | ||
| Total interest and dividend income | 30,369 | 30,359 | ||
| Deposits | 15,205 | 15,186 | ||
| Fhlb advances and other debt | 1,045 | 846 | ||
| Subordinated debentures | 329 | 326 | ||
| Total interest expense | 16,579 | 16,358 | ||
| Net interest income | 13,790 | 14,001 | ||
| Provision for credit losses-loans | 4,818 | 1,370 | ||
| Provision for (recovery of) credit losses-unfunded commitments | 251 | 57 | ||
| Total provision for credit losses | 5,069 | 1,427 | ||
| Net interest income after provision for credit losses | 8,721 | 12,574 | ||
| Service charges on deposit accounts | 696 | 721 | ||
| Net gains on sales of residential mortgage loans | 209 | 206 | ||
| Swap fee income | 228 | 196 | ||
| Earnings on bank owned life insurance | 237 | 232 | ||
| Other | 348 | 225 | ||
| Total noninterest income | 1,718 | 1,580 | ||
| Salaries and employee benefits | 3,800 | 3,954 | ||
| Occupancy and equipment | 444 | 417 | ||
| Data processing | 709 | 683 | ||
| Franchise and other taxes | 303 | 304 | ||
| Professional fees | 828 | 899 | ||
| Director fees | 187 | 180 | ||
| Postage, printing and supplies | 23 | 46 | ||
| Advertising and marketing | 130 | 84 | ||
| Telephone | 43 | 43 | ||
| Loan expenses | 201 | 196 | ||
| Foreclosed assets, net | 10 | 3 | ||
| Depreciation | 116 | 118 | ||
| Fdic premiums | 506 | 534 | ||
| Regulatory assessment | 33 | 64 | ||
| Other insurance | 49 | 50 | ||
| Other | 344 | 179 | ||
| Total noninterest expense | 7,726 | 7,754 | ||
| Income before incomes taxes | 2,713 | 6,400 | ||
| Income tax expense | 373 | 1,365 | ||
| Net income | 2,340 | 5,035 | ||
| Earnings allocated to participating securities (series d preferred stock) | 72 | 155 | ||
| Net income attributable to common stockholders | 2,268 | 4,880 | ||
| Diluted | 0.36 | 0.77 | ||
| Earnings per share basic | 0.36 | 0.77 | ||
| Weighted average number of diluted shares outstanding | 6,346,243 | 6,344,833 | ||
| Weighted average number of shares outstanding basic | 6,292,698 | 6,300,427 | ||
CF BANKSHARES INC. (CFBK)
CF BANKSHARES INC. (CFBK)