Financial insights of COFS

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$13,704K
EPS
$0.91
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	45,642	32,431*	47,123	46,533
Taxable	5,492	5,137*	5,249	5,264
Tax exempt	1,451	1,406*	1,418	1,393
Other	690	1,052*	908	735
Total interest income	53,275	40,024*	54,698	53,925
Deposits	13,745	10,280*	14,287	14,840
Advances from federal home loan bank	2,182	2,824*	1,926	1,659
Other	706	729*	888	1,104
Total interest expense	16,633	13,832*	17,101	17,603
Net interest income	36,642	26,192*	37,597	36,322
Provision for (reversal of) credit losses on loans	0	13,838*	200	650
Provision for (reversal of) credit losses on unfunded commitments	0	300*	0	0
Net provision for (reversal of) credit losses expense	0	13,538*	200	650
Net interest income after provision	36,642	12,654*	37,397	35,672
Customer service charges	1,656	1,299*	1,729	1,401
Interchange income	1,892	1,488*	2,133	-
Insurance and investment commissions	551	375*	485	540
Gains on sales of loans	408	442*	671	355
Net gains (losses) on sales of securities	-203	0*	-	-
Net gains on sales and write downs of other assets	9	-172*	-39	3
Earnings on life insurance policies	584	255*	558	844
Trust income	692	530*	734	596
Change in market value of equity securities	26	-438*	458	239
Credit and debit card fees	-	-	-	2,083
Other	200	419*	415	442
Total noninterest income	5,815	4,196*	7,144	6,503
Salaries and benefits	14,062	10,950*	14,127	13,731
Occupancy and equipment	2,591	1,625*	2,694	2,432
Data processing	2,290	1,904*	2,499	2,439
Communications	555	417*	517	561
Professional fees	982	591*	834	947
Supplies and postage	335	249*	267	305
Advertising and promotional	264	281*	207	260
Intangible amortization	1,685	633*	1,728	1,732
Fdic insurance	570	390*	530	550
Merger related expenses	0	17,120*	0	166
Other	2,442	995*	2,812	2,383
Total noninterest expense	25,776	35,153*	26,215	25,506
Income (gain) before income tax expense (benefit)	16,681	-18,304*	18,326	16,669
Income tax expense (benefit)	2,977	-4,158*	3,645	3,135
Net income (gain)	13,704	-14,146	14,681	13,534

Basic EPS	0.91	-1.198	0.98	0.9
Diluted EPS	0.91	-1.191	0.97	0.9
Basic Average Shares	14,990,017	11,809,780	15,014,933	14,999,067
Diluted Average Shares	15,041,910	11,880,029	15,061,155	15,035,113

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

MyFinsight

Income Overview

Net Income
$13,704K
EPS
$0.91
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$13,704K
EPS
$0.91
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$13,704KEPS$0.91Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$13,704KEPS$0.91Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$13,704K
EPS
$0.91
Unit: Thousand (K) dollars

Net Income
$13,704K
EPS
$0.91
Unit: Thousand (K) dollars