Financial insights of CFBK

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans and leases, including fees	109,282
Securities	359
Fhlb and frb stock dividends	629
Federal funds sold and other	9,725
Total interest and dividend income	119,995
Deposits	60,023
Fhlb advances and other debt	3,652
Subordinated debentures	1,297
Total interest expense	64,972
Net interest income	55,023
Provision for credit losses-loans	7,508
Provision for credit losses-unfunded commitments	739
Total provision for credit losses	8,247
Net interest income after provision for credit losses	46,776
Service charges on deposit accounts	2,876
Net gains on sales of residential mortgage loans	716
Net (losses) gains on sales of commercial loans	-18
Net loss on sale of equity security	-103
Earnings on bank owned life insurance	933
Swap fee income	424
Other	1,099
Total noninterest income	5,927
Salaries and employee benefits	15,720
Occupancy and equipment	1,760
Data processing	2,887
Franchise and other taxes	1,409
Professional fees	3,157
Director fees	686
Postage, printing and supplies	142
Advertising and marketing	418
Telephone	186
Loan expenses	915
Foreclosed assets, net	18
Depreciation	476
Fdic premiums	2,058
Regulatory assessment	216
Other insurance	194
Other	934
Total noninterest expense	31,176
Income before incomes taxes	21,527
Income tax expense	3,986
Net income	17,541
Earnings allocated to participating securities (series d preferred stock)	540
Net income attributable to common stockholders	17,001

Basic EPS	2.7
Diluted EPS	2.69
Basic Average Shares	6,290,072
Diluted Average Shares	6,331,799