Financial insights of CLST

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans receivable, including fees	11,161
Investment securities	1,425
Cash and due from banks	1,254
Other earning assets	56
Total interest income	13,896
Deposits	3,791
Borrowings	315
Total interest expense	4,106
Net interest income	9,790
Provision for credit losses	60
Net interest income after provision for credit losses	9,730
Service charges on deposit accounts	781
Bank-owned life insurance	494
(loss) gain on disposals and sales of fixed assets	-1
Other	84
Total non-interest income (loss)	1,358
Salaries and employee benefits	5,153
Occupancy and equipment	823
Data processing and communication	718
Professional fees	404
Directors' fees	477
Atm and debit card	103
Foreclosed assets, net	-85
Advertising and marketing	131
Regulatory fees and assessments	134
Franchise and shares tax	69
Other	657
Total non-interest expense	8,584
Income (loss) before income tax expense (benefit)	2,504
Income tax expense (benefit)	452
Net income (loss)	2,052

Basic EPS	0.56
Diluted EPS	0.56
Basic Average Shares	3,662,000
Diluted Average Shares	3,675,000