0001070680-22-000030.txt : 20220803 0001070680-22-000030.hdr.sgml : 20220803 20220803090959 ACCESSION NUMBER: 0001070680-22-000030 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220803 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220803 DATE AS OF CHANGE: 20220803 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CF BANKSHARES INC. CENTRAL INDEX KEY: 0001070680 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 341877137 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-25045 FILM NUMBER: 221131108 BUSINESS ADDRESS: STREET 1: C/O CFBANK STREET 2: 7000 N. HIGH ST. CITY: WORTHINGTON STATE: OH ZIP: 43085 BUSINESS PHONE: 6143347979 MAIL ADDRESS: STREET 1: C/O CFBANK STREET 2: 7000 N. HIGH ST. CITY: WORTHINGTON STATE: OH ZIP: 43085 FORMER COMPANY: FORMER CONFORMED NAME: CENTRAL FEDERAL CORP DATE OF NAME CHANGE: 20030509 FORMER COMPANY: FORMER CONFORMED NAME: GRAND CENTRAL FINANCIAL CORP DATE OF NAME CHANGE: 19980918 8-K 1 cfbk-20220803x8k.htm 8-K cfbk-20220803x8k
false000107068000010706802022-08-032022-08-03

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 3, 2022

CF BANKSHARES INC.

(Exact name of registrant as specified in its charter)

Delaware

0-25045

34-1877137

(State or other jurisdiction of

(Commission

(IRS Employer

incorporation)

File Number)

Identification Number)

7000 N. High Street, Worthington, Ohio

43085

(614) 334-7979

(Address of principal executive offices)

(Zip Code)

(Registrant’s Telephone Number)

(former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $.01 par value

CFBK

The NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On August 3, 2022, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2022 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Item 9.01. Financial Statements and Exhibits

(a)

Not applicable

(b)

Not applicable

(c)

Not applicable

(d)

Exhibits

99.1 Earnings Release issued by the Company on August 3, 2022, announcing financial results for the second quarter ended June 30, 2022.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).


‎

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CF Bankshares Inc.

Date: August 3, 2022

By:

/s/ Kevin J. Beerman

Kevin J. Beerman

Executive Vice President and Chief Financial Officer

 EX-99.1 2 cfbk-20220803xex99_1.htm EX-99.1 Exhibit 991 earnings release 63022

                                                                                                                                                    Exhibit 99.1

Picture 3

Parent of CFBank, NA





 





 



 



PRESS RELEASE

 

FOR IMMEDIATE RELEASE:

August 3, 2022

For Further Information:

Timothy T. O'Dell, President & CEO



Phone:  614.318.4660



Email: timodell@cfbankmail.com





CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS NET EARNINGS OF $4.7 MILLION OR $0.72 PER SHARE FOR THE 2nd QUARTER OF 2022. 



Columbus, Ohio – August 2, 2022  – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, today announced financial results for the second quarter ended June 30, 2022.



Second Quarter and First Half 2022 Highlights

·

Net Income of $4.7 million for the second quarter and $9.2 million YTD and Earnings Per Share (EPS) of $0.72 for Q2 and $1.41 YTD.  

·

Return on Average Assets (ROA) and Return on Average Equity (ROE) were 1.18% and 14.61%, respectively for the second quarter.  For the first six months of 2022, ROA was 1.21% and ROE was 14.47%.

·

Net interest income expanded $771,000, or 7.2%, during the second quarter, when compared to the quarter ended March 31, 2022.

·

Book value per share increased to $20.25 at June 30, 2022. 

·

Net loans and leases grew by $97 million, or 7.6%, during the quarter. Net loans and leases totaled $1.4 billion at June 30, 2022.

·

Credit quality remains strong with loans more than 30 days past due at 0.05% of total loans and classified and criticized loans were further reduced during the quarter to 0.23% of total loans at June 30, 2022.



Recent Developments

·

On July 5, 2022, the Company’s Board of Directors declared a Cash Dividend of $0.05 per share payable on July 26, 2022 to shareholders of record as of the close of business on July 15, 2022.  This represented a 25% increase in our quarterly cash dividend.

·

In June 2022, CFBank opened a full-service Retail branch and Commercial Banking presence in Indianapolis, Indiana.

 

 

CEO and Board Chair Commentary



Timothy T. O’Dell, President and CEO, commented, “Our strong growth trajectory continued during the second quarter, with loans increasing by nearly $100 million. Our ongoing acquisition of banking talent is translating into increasing business opportunities and growing pipelines. Commercial Banking is leading our growth, with Retail Mortgage Lending volumes also performing well. Our ongoing investments in proven performers and expanding our market presence is setting the table for both future growth and business diversification through adding and/or expanding business niches.  Included in these specialty business niches targeted are Practice Finance, Equipment Financing and working with Non-Profit and Public Fund entities.



We are having good success attracting top talent to our Commercial Banking and other teams. Seasoned performers are attracted by the relative sophistication of CFBank as compared to larger regionals, along with our entrepreneurial business approach and team focused environment.



Our ongoing business investments include adding Banking talent, along with upgrading our operating platforms, extending product offerings, increasing business niches, and expanding our geographic footprint, are being balanced while sustaining earnings performance.



Credit quality remains strong and stable, as evidenced by further reductions of criticized and classified loans during the second quarter, along with zero commercial delinquencies as of June 30, 2022. We remain highly disciplined in our underwriting as well as diligent in monitoring the performance of our loan portfolios against an uncertain economic backdrop.  If needed moving forward, the Holding Company has capital available through a credit facility that could be utilized to downstream additional capital to the Bank.  Until we gain greater clarity on the underlying economic strength, we have temporarily suspended share repurchases to preserve capital.  Because we remain confident in our earnings and performance, our dividend was recently increased. 



We feel extremely well positioned moving forward, given our strong capital and credit quality, along with having access to additional capital from our holding company, to continue to prudently grow market share.”



Robert E. Hoeweler, Chairman of the Board, added: “CF Bankshares is uniquely positioned through its exceptional management team and leadership to be able to cope with the pending economic problems of our day. This is not the first time we have been through challenging periods, nor will it be the last cycle. CFBank is in a strong position, well prepared to protect our depositors, serve our customers and communities, along with rewarding the interests of our shareholders. We are committed to doing these things to the very best of our abilities.”



We are just Revving Up!

Overview of Results 

Net income for the three months ended June 30, 2022 totaled $4.7 million (or $0.72 per diluted common share) compared to net income of $4.5 million (or $0.69 per diluted common share) for the three months ended March 31, 2022 and net income of $3.5 million (or $0.52 per diluted common share) for the three months ended June 30, 2021.

Net income for the six months ended June 30, 2022 totaled $9.2 million (or $1.41 per diluted common share) compared to net income of $9.9 million (or $1.48 per diluted common share) for the six months ended June 30, 2021.

The decrease in net income for six months ended June 30, 2022 when compared to June 30, 2021 was primarily the result of decreased volumes on Direct to Consumer (DTC) residential mortgage loans, partially offset by an increase in net interest income and  a decrease in other noninterest expense.

During the second quarter of 2022, as a result of declining mortgage margins, we exited the saleable-to-investors mortgage business in favor of portfolio lending with servicing retained.

Net Interest Income and Net Interest Margin

Net interest income totaled $11.5 million for the quarter ended June 30, 2022 and increased $771,000, or 7.2%, compared to $10.8 million in the prior quarter, and increased $505,000, or 4.6%, compared to $11.0 million in the second quarter of 2021.  The increase in net interest income compared to the prior quarter was primarily due to a  $1.6 million, or 11.8%, increase in

 

 

interest income, partially offset by a $782,000, or 32.9%, increase in interest expense.  The increase in interest income was primarily attributed to a $136.9 million, or 9.9%, increase in average interest-earning assets outstanding,  coupled with a  6bps increase in average yield on interest-earning assets.    The increase in interest expense when compared to the prior quarter was attributed to a $141.3 million, or 13.3%, increase in average interest-bearing liabilities, coupled with a 15bps increase in the average cost of funds on interest-bearing liabilities. The net interest margin of 3.04% for the quarter ended June 30, 2022 decreased 9bps compared to the net interest margin of 3.13% for the prior quarter.  The net interest margin was impacted by higher levels of cash during the second quarter, which has a lower yield.

The increase in net interest income compared to the second quarter of 2021 was primarily due to an $1.0 million, or 7.6%, increase in interest income, partially offset by a $539,000, or 20.6%, increase in interest expense.  The increase in interest income was primarily attributed to a 23bps increase in the average yield on interest-earning assets, coupled with a $19.5 million, or 1.3%, increase in average interest-earning assets outstanding.  The increase in interest expense was attributed to an 18bps increase in the average cost of funds on interest-bearing liabilities, partially offset by a $9.1 million, or 0.8%, decrease in average interest-bearing liabilities. The net interest margin of 3.04% for the quarter ended June 30, 2022 increased 9bps compared to the net interest margin of 2.95% for the second quarter of 2021.

Noninterest Income

Noninterest income for the quarter ended June 30, 2022 totaled $808,000 and decreased $238,000, or 22.8%, compared to $1.0 million for the prior quarter.  The decrease was primarily due to a $436,000 decrease in the net gain on sales of residential mortgage loans, partially offset by a $143,000 increase in gain on sales of SBA loans. 

Noninterest income for the quarter ended June 30, 2022 decreased $143,000, or 15.0%, compared to $951,000 for the quarter ended June 30, 2021.  The decrease was primarily due to a $1.0 million decrease in net gain on sales of SBA loans, partially offset by an $865,000 increase in net gain on sales of residential mortgage loans. 

During the second quarter 2022, we exited the saleable-to-investors mortgage business in favor of portfolio lending with servicing retained. The following table represents the notional amount of loans sold during the three months ended June 30, 2022, March 31, 2022, and June 30, 2021. 









 

 

 

 

 

 

 

 



Three Months ended



June 30, 2022

 

March 31, 2022

 

June 30, 2021

Notional amount of loans sold

$

 9,368 

 

$

 85,180 

 

$

 972,250 



The following table represents the revenue recognized on mortgage activities for the three months ended June 30, 2022, March 31, 2022, and June 30, 2021 (in thousands).









 

 

 

 

 

 

 

 



Three Months ended



June 30, 2022

 

March 31, 2022

 

June 30, 2021

Gain (loss) on loans sold

$

 (103)

 

$

 61 

 

$

 2,289 

Gain (loss) from change in fair value of loans held-for-sale

 

 92 

 

 

 (448)

 

 

 1,012 

Gain (loss) from change in fair value of derivatives

 

 132 

 

 

 944 

 

 

 (4,045)



$

 121 

 

$

 557 

 

$

 (744)



Noninterest Expense

Noninterest expense for the quarter ended June 30, 2022 totaled $6.5 million and increased $195,000, or 3.1%, compared to $6.3 million for the prior quarter.  The increase in noninterest expense was primarily due to  a  $89,000 increase in advertising and marketing expense,  a  $76,000 increase in FDIC premiums and a  $38,000 increase in professional fees, partially offset by a $43,000 decrease in salaries and employee benefits expense.  

Noninterest expense for the quarter ended June 30, 2022 decreased $2.8 million, or 30.2%, compared to $9.3 million for the quarter ended June 30, 2021.  The decrease in noninterest expense was primarily due to a $1.1 million decrease in advertising and marketing expense, a $973,000 decrease in salaries and employee benefits, and a $736,000 decrease in professional fees. The decreases in advertising and marketing expense, salaries and employee benefits expense, and professional fees were

 

 

primarily the result of our scale down and exit of the saleable-to-investor mortgage business in favor of portfolio lending with servicing retained.

During the 3rd quarter of 2022, we will be converting our core processing platform.  We estimate these one-time conversion costs will impact the 3rd quarter by approximately $450,000 and the 4th quarter by approximately $50,000.

Income Tax Expense

Income tax expense was $1.2 million for the quarter ended June 30, 2022 (effective tax rate of 19.6%), compared to $1.0 million for the prior quarter (effective tax rate of 18.5%) and $835,000 for the quarter ended June 30, 2021 (effective tax rate of 19.3%).

Loans and Loans Held For Sale

Net loans and leases totaled $1.4 billion at June 30, 2022 and increased $96.9 million, or 7.6%, from the prior quarter and increased $164.1 million, or 13.5%, from December 31, 2021.  The increase in net loans during the quarter was primarily due to a $37.0 million increase in commercial loan balances, a $31.6 million increase in single-family residential loan balances, a $28.7 million increase in construction loan balances, a $3.9 million increase in multi-family loan balances, and a $2.6 million increase in home equity lines of credit, partially offset by a  $7.0 decrease in commercial real estate loan balances.  The increases in the aforementioned loan balances were related to increased sales activity and new relationships.

The increase in net loans from December 31, 2021 was primarily due to a $63.0 million increase in commercial loan balances, a $61.2 million increase in single-family residential loan balances, a $40.5 million increase in construction loan balances, a $2.8 million increase in home equity lines of credit, and a $1.2 million increase in multi-family loan balances, partially offset by a $4.7 decrease in commercial real estate loan balances.  The increases in the aforementioned loan balances were related to increased sales activity and new relationships.

The following table presents the recorded investment in loans and leases for certain non-owner-occupied loan types ($ in thousands).





 

 

 

 

 



June 30, 2022

 

March 31, 2022

Construction - 1-4 family

$

 42,281 

 

$

 34,386 

Construction - Multi-family

 

 56,071 

 

 

 57,363 

Construction - Non-residential

 

 30,220 

 

 

 35,381 

Hotel/Motel

 

 17,023 

 

 

 17,078 

Industrial / Warehouse

 

 26,362 

 

 

 27,902 

Land/Land Development

 

 27,895 

 

 

 29,315 

Medical/Healthcare/Senior Housing

 

 3,253 

 

 

 3,297 

Multi-family

 

 84,580 

 

 

 60,990 

Office

 

 40,526 

 

 

 41,254 

Retail

 

 26,631 

 

 

 30,630 

Other

$

 61,089 

 

$

 57,186 



Asset Quality

Nonaccrual loans were $921,000, or 0.07%, of total loans at June 30, 2022, a decrease of $85,000 from nonaccrual loans at March 31, 2022 and a decrease of $76,000 from nonaccrual loans at December 31, 2021.  Loans past due more than 30 days totaled $716,000 at June 30, 2022 compared to $946,000 at March 31, 2022 and $3.6 million at December 31, 2021.

The allowance for loan and lease losses totaled $15.5 million at June 30, 2022 compared to $15.5 million at March 31, 2022 and December 31, 2021.  The ratio of the ALLL to total loans was 1.11% at June 30, 2022 compared to 1.20% at March 31, 2022 and 1.26% at December 31, 2020.

There was no provision for loan and lease losses expense for the quarters ended June 30, 2022 and March 31, 2022.  There was negative provision expense of $1.6 million during the quarter ended June 30, 2021.  Net recoveries for the quarter ended June 30, 2022 totaled $12,000 compared to net recoveries of $12,000 for the prior quarter and net recoveries of $9,000 for the quarter ended June 30, 2021.

 

 

Deposits

Deposits totaled $1.4 billion at June 30, 2022, an increase of $78.7 million, or 6.1%, when compared to $1.3 billion at March 31, 2022, and an increase of $131.1 million, or 10.5%, when compared to $1.2 billion at December 31, 2021.    The increase when compared to the prior quarter end is primarily due to a $67.7 million increase in money market account balances and a $32.0 million increase in certificate of deposit account balances, partially offset by a $20.3 million decrease in checking account balances.  The increase when compared to December 31, 2021 is primarily due to a $138.2 million increase in money market account balances and a $45.6 million increase in certificate of deposit account balances, partially offset by a $51.9 million decrease in checking account balances.  Noninterest-bearing deposit accounts decreased $9.3 million to $244.5 million from $253.8 million at March 31, 2022, and decreased $40.4 million from $284.9 million at December 31, 2021.

Borrowings

FHLB advances and other debt totaled $75.6 million at June 30, 2022, a decrease of $7.6 million when compared to $83.2 million at March 31, 2022 and a decrease of $14.1 million when compared to $89.7 million at December 31, 2021. The decrease when compared to the prior quarter was due to net reductions of $3.7 million on the Company’s line of credit with a third party financial institution and repayments of $3.5 million in FHLB advances.  The decrease when compared to December 31, 2021 was due to net reductions of $3.7 million on the Company’s line of credit with a third party financial institution and repayments of $10.0 million in FHLB advances.

Capital

Stockholders’ equity totaled $132.7 million at June 30, 2022, an increase of $4.4 million, or 3.4%, from $128.3 million at March 31, 2022.  Stockholders’ equity increased $7.4 million, or 5.9%, from  $125.3 million at December 31, 2021.  The increase in total stockholders’ equity during the three months ended June 30, 2022 was primarily attributed to net income, partially offset by a $217,000 other comprehensive loss and share repurchases of $257,000.  The increase in total stockholders’ equity during the six months ended June 30, 2022 was primarily attributed to net income, partially offset by a $1.3 million other comprehensive loss and share repurchases of $588,000.  The other comprehensive loss was the result of the mark-to-market adjustment of our investment portfolio.

During the second quarter of 2022, CFBank paid a dividend of $5 million to the Holding Company.  The proceeds of this dividend were used to pay down the Holding Company line of credit, resulting in interest savings.  At June 30, 2022, the Company has $14.4 million available on its Holding  Company line of credit, which could be utilized to provide additional capital to the bank.



About CF Bankshares Inc. and CFBank

CF Bankshares Inc. (the Company) is a holding company that owns 100% of the stock of CFBank, National Association (CFBank). CFBank is a nationally chartered boutique Commercial bank operating primarily in Four (4) Major Metro Markets: Columbus, Cleveland, and Cincinnati, Ohio, and Indianapolis, Indiana. The current Leadership Team and Board recapitalized the Company and CFBank in 2012 during the financial crisis, repositioning CFBank as a full-service Commercial Bank model. Since the 2012 recapitalization, CFBank has achieved a CAGR of nearly 25%.

CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs, by providing comprehensive Commercial, Retail, and Mortgage Lending services presence. In all regional markets, CFBank provides commercial loans and equipment leases, commercial and residential real estate loans and treasury management depository services, residential mortgage lending, and full-service commercial and retail banking services and products.  CFBank is differentiated by our penchant for individualized service coupled with direct customer access to decision-makers, and ease of doing business. CFBank matches the sophistication of much larger banks, without the bureaucracy.

CFBank ranked #7 on American Banker’s listing of Top 200 Publicly Traded Community Banks based on 3-year average return on equity as of December 31, 2021 and has been recognized as a Small Cap All-Star performer by Piper Sandler in 2021, 2020, and 2019. CFBank is the only Ohio-based bank and one of only four banks in the country that have achieved this award for the past three consecutive years (2019, 2020 and 2021). In addition, CFBank was ranked #4 in Performance and #2 in Growth Strategy by Bank Director magazine based on 2020 performance and growth.

Additional information about the Company and CFBank is available at www.CF.Bank

 

 

FORWARD LOOKING STATEMENTS

This press release and other materials we have filed or may file with the Securities and Exchange Commission (“SEC”) contain or may contain forward-looking statements within the meaning of the safe harbor provisions of the U.S. Private Securities Reform Act of 1995, which are made in good faith by us.  Forward-looking statements include, but are not limited to: (1) projections of revenues, income or loss, earnings or loss per common share, capital structure and other financial items; (2) plans and objectives of the management or Boards of Directors of CF Bankshares Inc. or CFBank; (3) statements regarding future events, actions or economic performance; and (4) statements of assumptions underlying such statements.  Words such as "estimate," "strategy," "may," "believe," "anticipate," "expect," "predict," "will," "intend," "plan," "targeted," and the negative of these terms, or similar expressions, are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements.  Various risks and uncertainties may cause actual results to differ materially from those indicated by our forward-looking statements, including, without limitation, impacts from the ongoing COVID-19 pandemic on local, national and global economic conditions in general and on our industry and business in particular, including adverse impacts on our customer’s operations, financial condition and ability to repay loans, changes in interest rates or disruptions in the mortgage market, and the effects of various governmental responses to the pandemic, including stimulus packages and programs, and those additional risks detailed from time to time in our reports filed with the SEC, including those risk factors identified in “Item 1A.  Risk Factors” of Part I of our Annual Report on Form 10-K filed with SEC for the year ended December 31, 2021,  as supplemented by the risk factors identified in “Item 1A. Risk Factors” of Part II of our Quarterly Reports on Form 10-Q filed with the SEC for the quarter ended March 31, 2022.

Forward-looking statements are not guarantees of performance or results.  A forward-looking statement may include a statement of the assumptions or bases underlying the forward-looking statement.  We believe that we have chosen these assumptions or bases in good faith and that they are reasonable.  We caution you, however, that assumptions or bases almost always vary from actual results, and the differences between assumptions or bases and actual results can be material.  The forward-looking statements included in this press release speak only as of the date hereof.  We undertake no obligation to publicly release revisions to any forward-looking statements to reflect events or circumstances after the date of such statements, except to the extent required by law.



 

 

 









 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Statements of Income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

($ in thousands, except share data)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(unaudited)

Three months ended

 

 

 

Six months ended

 

 



June 30,

 

 

 

June 30,

 

 



2022

 

2021

 

% change

 

2022

 

2021

 

% change

Total interest income

$

 14,705 

 

$

 13,661 

 

 8% 

 

$

 27,857 

 

$

 26,518 

 

 5% 

Total interest expense

 

 3,160 

 

 

 2,621 

 

 21% 

 

 

 5,538 

 

 

 5,861 

 

-6%

     Net interest income

 

 11,545 

 

 

 11,040 

 

 5% 

 

 

 22,319 

 

 

 20,657 

 

 8% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provision for loan and lease losses

 

 -

 

 

 (1,600)

 

n/m

 

 

 -

 

 

 (1,600)

 

n/m

Net interest income after provision for loan and lease losses

 

 11,545 

 

 

 12,640 

 

-9%

 

 

 22,319 

 

 

 22,257 

 

 0% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Service charges on deposit accounts

 

 289 

 

 

 206 

 

 40% 

 

 

 555 

 

 

 399 

 

 39% 

  Net gain on sales of residential mortgage loans

 

 121 

 

 

 (744)

 

-116%

 

 

 678 

 

 

 5,616 

 

-88%

  Net gain on sale of SBA loans

 

 143 

 

 

 1,159 

 

-88%

 

 

 143 

 

 

 1,159 

 

-88%

  Swap fee income

 

 5 

 

 

 -

 

n/m

 

 

 18 

 

 

 182 

 

-90%

  Gain on redemption of life insurance

 

 -

 

 

 3 

 

n/m

 

 

 -

 

 

 383 

 

n/m

  Other

 

 250 

 

 

 327 

 

-24%

 

 

 460 

 

 

 442 

 

 4% 

     Noninterest income

 

 808 

 

 

 951 

 

-15%

 

 

 1,854 

 

 

 8,181 

 

-77%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest expense

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Salaries and employee benefits

 

 3,578 

 

 

 4,551 

 

-21%

 

 

 7,199 

 

 

 9,160 

 

-21%

  Occupancy and equipment

 

 312 

 

 

 259 

 

 20% 

 

 

 631 

 

 

 581 

 

 9% 

  Data processing

 

 529 

 

 

 524 

 

 1% 

 

 

 1,049 

 

 

 1,060 

 

-1%

  Franchise and other taxes

 

 338 

 

 

 243 

 

 39% 

 

 

 661 

 

 

 482 

 

 37% 

  Professional fees

 

 645 

 

 

 1,381 

 

-53%

 

 

 1,252 

 

 

 2,596 

 

-52%

  Director fees

 

 153 

 

 

 158 

 

-3%

 

 

 294 

 

 

 310 

 

-5%

  Postage, printing, and supplies

 

 38 

 

 

 47 

 

-19%

 

 

 81 

 

 

 86 

 

-6%

  Advertising and marketing

 

 134 

 

 

 1,283 

 

-90%

 

 

 179 

 

 

 2,527 

 

-93%

  Telephone

 

 61 

 

 

 67 

 

-9%

 

 

 114 

 

 

 126 

 

-10%

  Loan expenses

 

 106 

 

 

 31 

 

 242% 

 

 

 206 

 

 

 88 

 

 134% 

  Depreciation

 

 126 

 

 

 106 

 

 19% 

 

 

 241 

 

 

 203 

 

 19% 

  FDIC premiums

 

 227 

 

 

 380 

 

-40%

 

 

 378 

 

 

 619 

 

-39%

  Regulatory assessment

 

 65 

 

 

 65 

 

 0% 

 

 

 131 

 

 

 130 

 

 1% 

  Other insurance

 

 46 

 

 

 40 

 

 15% 

 

 

 90 

 

 

 68 

 

 32% 

  Other

 

 114 

 

 

 132 

 

-14%

 

 

 243 

 

 

 200 

 

 22% 

     Noninterest expense

 

 6,472 

 

 

 9,267 

 

-30%

 

 

 12,749 

 

 

 18,236 

 

-30%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before income taxes

 

 5,881 

 

 

 4,324 

 

 36% 

 

 

 11,424 

 

 

 12,202 

 

-6%

Income tax expense

 

 1,155 

 

 

 835 

 

 38% 

 

 

 2,180 

 

 

 2,292 

 

-5%

Net Income

$

 4,726 

 

$

 3,489 

 

 35% 

 

$

 9,244 

 

$

 9,910 

 

-7%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Share Data

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per common share

$

 0.74 

 

$

 0.53 

 

 

 

$

 1.44 

 

$

 1.52 

 

 

Diluted earnings per common share

$

 0.72 

 

$

 0.52 

 

 

 

$

 1.41 

 

$

 1.48 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average common shares outstanding - basic

 

 6,413,884 

 

 

 6,536,422 

 

 

 

 

 6,415,871 

 

 

 6,537,083 

 

 

Average common shares outstanding - diluted 

 

 6,552,763 

 

 

 6,689,253 

 

 

 

 

 6,550,620 

 

 

 6,679,976 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

n/m - not meaningful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Statements of Financial Condition

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

($ in thousands)

Jun 30,

 

Mar 31,

 

Dec 31,

 

Sept 30,

 

Jun 30,

 

(unaudited)

2022

 

2022

 

2021

 

2021

 

2021

 

Assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

 154,850 

 

$

 168,290 

 

$

 166,591 

 

$

 68,161 

 

$

 134,321 

 

Interest-bearing deposits in other financial institutions

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

Securities available for sale

 

 12,220 

 

 

 13,004 

 

 

 16,347 

 

 

 17,128 

 

 

 17,661 

 

Equity Securities

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

Loans held for sale

 

 -

 

 

 8,470 

 

 

 27,988 

 

 

 77,946 

 

 

 254,327 

 

Loans and leases

 

 1,393,759 

 

 

 1,296,836 

 

 

 1,229,657 

 

 

 1,139,199 

 

 

 1,016,972 

 

 Less allowance for loan and lease losses

 

 (15,532)

 

 

 (15,520)

 

 

 (15,508)

 

 

 (15,487)

 

 

 (15,495)

 

    Loans and leases, net

 

 1,378,227 

 

 

 1,281,316 

 

 

 1,214,149 

 

 

 1,123,712 

 

 

 1,001,477 

 

FHLB and FRB stock

 

 7,332 

 

 

 7,326 

 

 

 7,315 

 

 

 6,475 

 

 

 6,164 

 

Premises and equipment, net

 

 6,110 

 

 

 6,032 

 

 

 5,869 

 

 

 3,944 

 

 

 3,765 

 

Other assets held for sale

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 29,308 

 

Operating lease right of use assets

 

 1,638 

 

 

 1,782 

 

 

 1,925 

 

 

 1,462 

 

 

 1,584 

 

Bank owned life insurance

 

 26,038 

 

 

 25,889 

 

 

 25,743 

 

 

 25,582 

 

 

 25,439 

 

Accrued interest receivable and other assets

 

 27,962 

 

 

 26,986 

 

 

 24,562 

 

 

 25,446 

 

 

 28,635 

 

Total assets

$

 1,619,477 

 

$

 1,544,195 

 

$

 1,495,589 

 

$

 1,354,956 

 

$

 1,507,781 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders' Equity

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

    Noninterest bearing

$

 244,484 

 

$

 253,778 

 

$

 284,935 

 

$

 243,153 

 

$

 249,557 

 

    Interest bearing

 

 1,133,005 

 

 

 1,045,008 

 

 

 961,417 

 

 

 913,637 

 

 

 922,312 

 

         Total deposits

 

 1,377,489 

 

 

 1,298,786 

 

 

 1,246,352 

 

 

 1,156,790 

 

 

 1,171,869 

 

FHLB advances and other debt

 

 75,594 

 

 

 83,235 

 

 

 89,727 

 

 

 41,218 

 

 

 74,290 

 

Advances by borrowers for taxes and insurance

 

 1,879 

 

 

 2,078 

 

 

 2,752 

 

 

 1,756 

 

 

 1,412 

 

Operating lease liabilities

 

 1,736 

 

 

 1,889 

 

 

 2,032 

 

 

 1,578 

 

 

 1,709 

 

Other liabilities held for sale

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 107,229 

 

Accrued interest payable and other liabilities

 

 15,185 

 

 

 14,972 

 

 

 14,513 

 

 

 15,571 

 

 

 16,549 

 

Subordinated debentures

 

 14,903 

 

 

 14,893 

 

 

 14,883 

 

 

 14,874 

 

 

 14,864 

 

         Total liabilities

 

 1,486,786 

 

 

 1,415,853 

 

 

 1,370,259 

 

 

 1,231,787 

 

 

 1,387,922 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Stockholders' equity

 

 132,691 

 

 

 128,342 

 

 

 125,330 

 

 

 123,169 

 

 

 119,859 

 

Total liabilities and stockholders' equity

$

 1,619,477 

 

$

 1,544,195 

 

$

 1,495,589 

 

$

 1,354,956 

 

$

 1,507,781 

 







 

 

 











 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balance Sheet and Yield Analysis

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



For Three Months Ended



June 30, 2022

 

March 31, 2022

 

June 30, 2021



Average

 

Interest

 

Average

 

Average

 

Interest

 

Average

 

Average

 

Interest

 

Average



Outstanding

 

Earned/

 

Yield/

 

Outstanding

 

Earned/

 

Yield/

 

Outstanding

 

Earned/

 

Yield/



Balance

 

Paid

 

Rate

 

Balance

 

Paid

 

Rate

 

Balance

 

Paid

 

Rate



(Dollars in thousands)

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities (1) (2)

$

 17,744 

 

$

 221 

 

 

 4.58% 

 

$

 20,309 

 

$

 224 

 

 

 4.36% 

 

$

 18,310 

 

$

 166 

 

 

 3.64% 

Loans and leases and loans held for sale (3)

 

 1,327,636 

 

 

 14,042 

 

 

 4.23% 

 

 

 1,262,051 

 

 

 12,828 

 

 

 4.07% 

 

 

 1,379,104 

 

 

 13,414 

 

 

 3.89% 

Other earning assets

 

 162,912 

 

 

 364 

 

 

 0.89% 

 

 

 89,004 

 

 

 38 

 

 

 0.17% 

 

 

 92,589 

 

 

 24 

 

 

 0.10% 

FHLB and FRB stock

 

 7,329 

 

 

 78 

 

 

 4.26% 

 

 

 7,319 

 

 

 62 

 

 

 3.39% 

 

 

 6,164 

 

 

 57 

 

 

 3.70% 

Total interest-earning assets

 

 1,515,621 

 

 

 14,705 

 

 

 3.88% 

 

 

 1,378,683 

 

 

 13,152 

 

 

 3.82% 

 

 

 1,496,167 

 

 

 13,661 

 

 

 3.65% 

Noninterest-earning assets

 

 81,305 

 

 

 

 

 

 

 

 

 77,320 

 

 

 

 

 

 

 

 

 80,786 

 

 

 

 

 

 

Total assets

$

 1,596,926 

 

 

 

 

 

 

 

$

 1,456,003 

 

 

 

 

 

 

 

$

 1,576,953 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 1,108,079 

 

 

 2,501 

 

 

 0.90% 

 

$

 956,568 

 

 

 1,684 

 

 

 0.70% 

 

$

 1,084,719 

 

 

 2,108 

 

 

 0.78% 

FHLB advances and other borrowings

 

 92,612 

 

 

 659 

 

 

 2.85% 

 

 

 102,860 

 

 

 694 

 

 

 2.70% 

 

 

 125,046 

 

 

 513 

 

 

 1.64% 

Total interest-bearing liabilities

 

 1,200,691 

 

 

 3,160 

 

 

 1.05% 

 

 

 1,059,428 

 

 

 2,378 

 

 

 0.90% 

 

 

 1,209,765 

 

 

 2,621 

 

 

 0.87% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing liabilities

 

 266,812 

 

 

 

 

 

 

 

 

 270,376 

 

 

 

 

 

 

 

 

 251,071 

 

 

 

 

 

 

Total liabilities

 

 1,467,503 

 

 

 

 

 

 

 

 

 1,329,804 

 

 

 

 

 

 

 

 

 1,460,836 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity

 

 129,423 

 

 

 

 

 

 

 

 

 126,199 

 

 

 

 

 

 

 

 

 116,117 

 

 

 

 

 

 

Total liabilities and equity

$

 1,596,926 

 

 

 

 

 

 

 

$

 1,456,003 

 

 

 

 

 

 

 

$

 1,576,953 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest-earning assets

$

 314,930 

 

 

 

 

 

 

 

$

 319,255 

 

 

 

 

 

 

 

$

 286,402 

 

 

 

 

 

 

Net interest income/interest rate spread

 

 

 

$

 11,545 

 

 

 2.83% 

 

 

 

 

$

 10,774 

 

 

 2.92% 

 

 

 

 

$

 11,040 

 

 

 2.78% 

Net interest margin

 

 

 

 

 

 

 

 3.04% 

 

 

 

 

 

 

 

 

 3.13% 

 

 

 

 

 

 

 

 

 2.95% 

Average interest-earning assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to average interest-bearing liabilities

 

 126.23% 

 

 

 

 

 

 

 

 

 130.13% 

 

 

 

 

 

 

 

 

 123.67% 

 

 

 

 

 

 







(1)

Average balance is computed using the carrying value of securities.  Average yield is computed using the historical amortized cost average balance for available for sale securities.

(2)

Average yields and interest earned are stated on a fully taxable equivalent basis.

(3)

Average balance is computed using the recorded investment in loans net of the ALLL and includes nonperforming loans.





 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Financial Highlights

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

At or for the three months ended

 

At or for the six months ended

($ in thousands except per share data)

 

Jun 30,

 

Mar 31,

 

Dec 31,

 

Sept 30,

 

Jun 30,

 

 

June 30,

(unaudited)

 

2022

 

2022

 

2021

 

2021

 

2021

 

 

2022

 

 

2021

Earnings and Dividends

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

$

 11,545 

 

$

 10,774 

 

$

 10,969 

 

$

 10,413 

 

$

 11,040 

 

$

 22,319 

 

$

 20,657 

Provision for loan and lease losses

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 (1,600)

 

$

 -

 

$

 (1,600)

Noninterest income

 

$

 808 

 

$

 1,046 

 

$

 1,382 

 

$

 2,077 

 

$

 951 

 

$

 1,854 

 

$

 8,181 

Noninterest expense

 

$

 6,472 

 

$

 6,277 

 

$

 6,796 

 

$

 7,429 

 

$

 9,267 

 

$

 12,749 

 

$

 18,236 

Net Income

 

$

 4,726 

 

$

 4,518 

 

$

 4,467 

 

$

 4,076 

 

$

 3,489 

 

$

 9,244 

 

$

 9,910 

Basic earnings per common share

 

$

 0.74 

 

$

 0.70 

 

$

 0.69 

 

$

 0.63 

 

$

 0.53 

 

$

 1.44 

 

$

 1.52 

Diluted earnings per common share

 

$

 0.72 

 

$

 0.69 

 

$

 0.68 

 

$

 0.61 

 

$

 0.52 

 

$

 1.41 

 

$

 1.48 

Dividends declared per share

 

$

 0.04 

 

$

 0.04 

 

$

 0.04 

 

$

 0.03 

 

$

 0.03 

 

$

 0.08 

 

$

 0.06 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performance Ratios (annualized)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 

 1.18% 

 

 

 1.24% 

 

 

 1.29% 

 

 

 1.18% 

 

 

 0.88% 

 

 

 1.21% 

 

 

 1.29% 

Return on average equity

 

 

 14.61% 

 

 

 14.32% 

 

 

 14.50% 

 

 

 13.43% 

 

 

 12.02% 

 

 

 14.47% 

 

 

 17.30% 

Average yield on interest-earning assets

 

 

 3.88% 

 

 

 3.82% 

 

 

 4.02% 

 

 

 3.92% 

 

 

 3.65% 

 

 

 3.85% 

 

 

 3.63% 

Average rate paid on interest-bearing liabilities

 

 

 1.05% 

 

 

 0.90% 

 

 

 0.88% 

 

 

 0.93% 

 

 

 0.87% 

 

 

 0.98% 

 

 

 0.98% 

Average interest rate spread

 

 

 2.83% 

 

 

 2.92% 

 

 

 3.14% 

 

 

 2.99% 

 

 

 2.78% 

 

 

 2.87% 

 

 

 2.65% 

Net interest margin, fully taxable equivalent

 

 

 3.04% 

 

 

 3.13% 

 

 

 3.36% 

 

 

 3.21% 

 

 

 2.95% 

 

 

 3.08% 

 

 

 2.83% 

Efficiency ratio

 

 

 52.39% 

 

 

 53.10% 

 

 

 55.02% 

 

 

 59.48% 

 

 

 77.28% 

 

 

 52.74% 

 

 

 63.24% 

Noninterest expense to average assets

 

 

 1.62% 

 

 

 1.72% 

 

 

 1.97% 

 

 

 2.15% 

 

 

 2.35% 

 

 

 1.67% 

 

 

 2.36% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital leverage ratio (1)

 

 

 10.09% 

 

 

 11.06% 

 

 

 11.29% 

 

 

 11.04% 

 

 

 9.72% 

 

 

 10.09% 

 

 

 9.72% 

Total risk-based capital ratio (1)

 

 

 13.33% 

 

 

 14.01% 

 

 

 14.02% 

 

 

 14.22% 

 

 

 14.10% 

 

 

 13.33% 

 

 

 14.10% 

Tier 1 risk-based capital ratio (1)

 

 

 12.13% 

 

 

 12.76% 

 

 

 12.77% 

 

 

 12.97% 

 

 

 12.85% 

 

 

 12.13% 

 

 

 12.85% 

Common equity tier 1 capital to risk weighted assets (1)

 

 

 12.13% 

 

 

 12.76% 

 

 

 12.77% 

 

 

 12.97% 

 

 

 12.85% 

 

 

 12.13% 

 

 

 12.85% 

Equity to total assets at end of period

 

 

 8.19% 

 

 

 8.31% 

 

 

 8.38% 

 

 

 9.09% 

 

 

 7.95% 

 

 

 8.19% 

 

 

 7.95% 

Book value per common share

 

$

 20.25 

 

$

 19.70 

 

$

 19.28 

 

$

 18.69 

 

$

 18.07 

 

$

 20.25 

 

$

 18.07 

Tangible book value per common share

 

$

 20.25 

 

$

 19.70 

 

$

 19.28 

 

$

 18.69 

 

$

 18.07 

 

$

 20.25 

 

$

 18.07 

Period-end market value per common share

 

$

 21.00 

 

$

 22.30 

 

$

 20.53 

 

$

 20.45 

 

$

 19.48 

 

$

 21.00 

 

$

 19.48 

Period-end common shares outstanding

 

 

 6,552,020 

 

 

 6,515,927 

 

 

 6,500,248 

 

 

 6,588,343 

 

 

 6,631,589 

 

 

 6,552,020 

 

 

 6,631,589 

Average basic common shares outstanding

 

 

 6,413,884 

 

 

 6,417,881 

 

 

 6,448,896 

 

 

 6,510,504 

 

 

 6,536,422 

 

 

 6,415,871 

 

 

 6,537,083 

Average diluted common shares outstanding

 

 

 6,552,763 

 

 

 6,548,380 

 

 

 6,585,511 

 

 

 6,657,250 

 

 

 6,689,253 

 

 

 6,550,620 

 

 

 6,679,976 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Asset Quality

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming loans

 

$

 921 

 

$

 1,006 

 

$

 997 

 

$

 1,011 

 

$

 327 

 

$

 921 

 

$

 327 

Nonperforming loans to total loans

 

 

 0.07% 

 

 

 0.08% 

 

 

 0.08% 

 

 

 0.09% 

 

 

 0.03% 

 

 

 0.07% 

 

 

 0.03% 

Nonperforming assets to total assets

 

 

 0.06% 

 

 

 0.07% 

 

 

 0.07% 

 

 

 0.07% 

 

 

 0.02% 

 

 

 0.06% 

 

 

 0.02% 

Allowance for loan and lease losses to total loans

 

 

 1.11% 

 

 

 1.20% 

 

 

 1.26% 

 

 

 1.36% 

 

 

 1.52% 

 

 

 1.11% 

 

 

 1.52% 

Allowance for loan and lease losses to nonperforming loans

 

 

 1686.43% 

 

 

 1542.74% 

 

 

 1555.47% 

 

 

 1531.85% 

 

 

 4738.53% 

 

 

 1686.43% 

 

 

 4738.53% 

Net charge-offs (recoveries)

 

$

 (12)

 

$

 (12)

 

$

 (21)

 

$

 8 

 

$

 (9)

 

$

 (24)

 

$

 (73)

Annualized net charge-offs (recoveries) to average loans

 

 

 0.00% 

 

 

 0.00% 

 

 

 (0.01%)

 

 

 0.00% 

 

 

 0.00% 

 

 

 0.00% 

 

 

 (0.01%)



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

 1,340,330 

 

$

 1,254,639 

 

$

 1,173,853 

 

$

 1,065,069 

 

$

 1,023,152 

 

$

 1,297,484 

 

$

 977,237 

Assets

 

$

 1,596,926 

 

$

 1,456,003 

 

$

 1,381,158 

 

$

 1,379,249 

 

$

 1,576,953 

 

$

 1,526,465 

 

$

 1,542,158 

Stockholders' equity

 

$

 129,423 

 

$

 126,199 

 

$

 123,232 

 

$

 121,394 

 

$

 116,117 

 

$

 127,811 

 

$

 114,548 



(1)  Regulatory capital ratios of CFBank





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Document And Entity Information
Aug. 03, 2022
Document And Entity Information [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Aug. 03, 2022
Entity Registrant Name CF BANKSHARES INC.
Entity Incorporation, State or Country Code DE
Entity File Number 0-25045
Entity Tax Identification Number 34-1877137
Entity Address, Address Line One 7000 N. High Street
Entity Address, City or Town Worthington
Entity Address, State or Province OH
Entity Address, Postal Zip Code 43085
City Area Code 614
Local Phone Number 334-7979
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, $.01 par value
Trading Symbol CFBK
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Entity Central Index Key 0001070680
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