Financial insights of CLST

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans receivable, including fees	2,749	2,804*	2,816	2,792
Investment securities	522	467*	345	294
Cash and due from banks	290	207*	345	353
Other earning assets	9	13*	7	22
Total interest income	3,570	3,490*	3,513	3,461
Deposits	939	929*	983	925
Borrowings	86	93*	80	68
Total interest expense	1,025	1,022*	1,063	993
Net interest income	2,545	2,468*	2,450	2,468
Reversal of credit losses	-70	168*	-36	-
Net interest income after reversal of credit losses	2,615	2,300*	2,486	2,468
Service charges on deposit accounts	202	219*	172	202
Bank-owned life insurance	134	131*	123	119
(gain) loss on disposals and sales of fixed assets	-	2*	-1	-
Other	16	18*	21	23
Total non-interest income	352	370*	315	344
Salaries and employee benefits	1,321	1,285*	1,312	1,262
Occupancy and equipment	209	181*	220	208
Data processing and communication	180	186*	179	176
Professional fees	185	97*	91	114
Atm and debit card	-	-	-	29
Directors' fees	121	117*	123	117
Franchise and shares tax	-	27*	14	14
Atm and debit card	-	31*	24	-
Foreclosed assets, net	-	-122*	7	18
Advertising and marketing	33	49*	35	20
Regulatory fees and assessments	33	34*	34	33
Other	201	132*	163	187
Total non-interest expense	2,283	2,014*	2,202	2,178
Income before income tax expense	684	655*	599	634
Income tax expense	126	118*	110	113
Net income	558	537	489	521

Basic EPS	0.16	0.146	0.13	0.14
Diluted EPS	0.15	0.145	0.13	0.14
Basic Average Shares	3,587,000	3,688,000	3,637,000	3,661,000
Diluted Average Shares	3,643,000	3,696,000	3,658,000	3,671,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.