0001070680-22-000038.txt : 20221107 0001070680-22-000038.hdr.sgml : 20221107 20221107091034 ACCESSION NUMBER: 0001070680-22-000038 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20221107 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221107 DATE AS OF CHANGE: 20221107 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: 221363985 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-20221107x8k.htm 8-K cfbk-20221107x8k
false000107068000010706802022-11-072022-11-07

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): November 7, 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 November 7, 2022, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the third quarter ended September 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 November 7, 2022, announcing financial results for the third quarter ended September 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: November 7, 2022

By:

/s/ Kevin J. Beerman

Kevin J. Beerman

Executive Vice President and Chief Financial Officer

 EX-99.1 2 cfbk-20221107xex99_1.htm EX-99.1 Exhibit 99.1 earnings release 9.30.22

                                                                                                                                                    Exhibit 99.1

Picture 3

Parent of CFBank, NA





 





 



 



PRESS RELEASE

 

FOR IMMEDIATE RELEASE:

November 7, 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 RESULTS FOR THE 3rd QUARTER OF 2022.



Columbus, Ohio – November 7, 2022 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Association (“CFBank”), today announced financial results for the third quarter and year to date (YTD) ended September 30, 2022.



Third Quarter and Year to Date 2022 Highlights

·

Net Income of $4.2 million ($0.65 per share) and Core Earnings of $5.2 million ($0.80 per share).  Core Earnings represent net income adjusted for non-recurring items totaling $946,000 (after-tax) for the conversion of our operating platform and fixed asset impairment.  These non-recurring items are detailed in the tables included with this press release.  Core earnings increased $411,000, when compared to the previous sequential quarter.

·

Return on Average Assets (ROA) was 1.02% and Core Return on Average Assets was 1.25% for the third quarter, while Return on Average Equity (ROE) was 12.62% and Core Return on Average Equity was 15.43%.

·

For the first nine months of 2022, Net Income was $13.5 million ($2.06 per share), ROA was 1.14% and ROE was 13.74%.

·

Net interest margin (NIM) increased 32 bps during the quarter to 3.36%.

·

Book value per share increased to $20.85 at September 30, 2022. 

·

Net loans and leases grew by $96 million, or 27.8% (annualized), during the quarter. Net loans and leases totaled $1.5 billion at September 30, 2022.

·

During the third quarter, we completed the conversion of our core processing platform, and recognized one-time conversion expenses of approximately $500,000 after-tax.  These expenses are expected to be earned back over the life of the contract through reduced data processing charges.

·

Credit quality remains strong with loans more than 30 days past due at 0.09% of total loans.  There were no charge-offs during the quarter and year to date through September 30, 2022.



Recent Developments

·

On October 4, 2022, the Company’s Board of Directors declared a Cash Dividend of $0.05 per share payable on October 25, 2022 to shareholders of record as of the close of business on October  14, 2022. 

·

In October 2022, we opened two new banking locations, Ohio City (Cleveland) and Red Bank (Cincinnati), after opening full-service Retail branches in Polaris (Columbus, Ohio) and Indianapolis earlier this year..

 

 

CEO and Board Chair Commentary



Timothy T. O’Dell, President and CEO, commented: “Operating in the currently challenging and volatile rate environment, CFBank is continuing to generate quality growth and business opportunities. Our business model remains focused on working with strong and high performing businesses and entrepreneurs. 

Core Earnings are expanding, as we add size and scale, approaching $2 Billion in Total Assets as the next major threshold target. Through the first three quarters of 2022, our Total Assets have grown $260 million. Additional earnings lift has also been provided by interest rate increases and NIM expansion. 

Our Commercial loan pipelines remain strong as we attract quality new and full-service business banking relationships. We are pleased with the size and scale of Residential Mortgage Lending, which is focused on Portfolio lending in our Regional markets. We made the decision to exit direct-to-consumer (DTC) originations roughly one year ago, anticipating mortgage market conditions would continue to become less favorable. 

Credit Quality along with Underwriting and Lending standards remain strong. CFBank, because of our ability to attract quality loan opportunities, is well positioned in the current market environment by having only a nominally sized Investment portfolio. 

Going forward, we expect that attracting deposits will continue to be increasingly challenging. However, we are having successes with our initiatives for growing Public Fund deposits. Indiana (our most recent regional market expansion) is proving to be a good deposit generating market. 

In addition, we have expanded our Deposit gathering franchise recently with this year’s addition of four new branch locations in: Polaris (Columbus), Indianapolis, Ohio City (Cleveland), and Red Bank (Cincinnati). 

CFBank remains very disciplined with sticking to our proven fundamentals. Steady as we go. 

We believe from experience that market disruption and volatility will translate into increasing quality business opportunities for us.” 

Robert E. Hoeweler, Chairman of the Board, added: “Our experienced CF Leadership continues to maintain a strong growth trajectory, guiding our Financial institution forward prudently during this challenging economic environment. 



We focus on providing financial solutions, coupled with ease of doing business delivery. Our success results through fostering mutually beneficial partnerships with our Customers, Communities, Shareholders and Employees.”  



Our Best is yet Ahead!



Overview of Results 

Net income for the three months ended September 30, 2022 totaled $4.2 million (or $0.65 per diluted common share) compared to net income of $4.7 million (or $0.72 per diluted common share) for the three months ended June  30, 2022 and net income of $4.1 million (or $0.61 per diluted common share) for the three months ended September 30, 2021.

Net income for the nine months ended September 30, 2022 totaled $13.5 million (or $2.06 per diluted common share) compared to net income of $14.0 million (or $2.10 per diluted common share) for the nine months ended September 30, 2021.

Net income for the three months ended September 30, 2022 was negatively impacted by one-time conversion costs of $627,000 pre-tax ($496,000 after tax) and impairment expense of $570,000 pre-tax ($450,000 after tax) related to the pending sale of our headquarters building in Worthington as we prepare to move our headquarters office to New Albany, Ohio.  The conversion costs related to the conversion of our core processing system.  We do not anticipate to incur material additional costs going forward related to the conversion of our core processing system.

 

 

Net Interest Income and Net Interest Margin

Net interest income totaled $13.3 million for the quarter ended September 30, 2022 and increased $1.8 million, or 15.3%, compared to $11.5 million in the prior quarter, and increased $2.9 million, or 27.9%, compared to $10.4 million in the third quarter of 2021. 

The increase in net interest income compared to the prior quarter was primarily due to a  $3.3 million, or 22.4%, increase in interest income, partially offset by a $1.5 million, or 48.4%, increase in interest expense. The increase in interest income was primarily attributed to a $68.2 million, or 4.5%, increase in average interest-earning assets outstanding,  coupled with a  66bps increase in average yield on interest-earning assets.    The increase in interest expense when compared to the prior quarter was attributed to a $47.3 million, or 3.9%, increase in average interest-bearing liabilities, coupled with a 45bps increase in the average cost of funds on interest-bearing liabilities. The net interest margin of 3.36% for the quarter ended September 30, 2022 increased 32bps compared to the net interest margin of 3.04% for the prior quarter.

The increase in net interest income compared to the third quarter of 2021 was primarily due to an $5.3 million, or 41.7%, increase in interest income, partially offset by a $2.4 million, or 104.8%, increase in interest expense. The increase in interest income was primarily attributed to a $286.2 million, or 22.1%, increase in average interest-earning assets outstanding, coupled with a 62bps increase in the average yield on interest-earning assets.  The increase in interest expense was attributed to a $267.6 million, or 27.3%, increase in average interest-bearing liabilities, coupled with a 57bps increase in the average cost of funds on interest-bearing liabilities. The net interest margin of 3.36% for the quarter ended September 30, 2022 increased 15bps compared to the net interest margin of 3.21% for the third  quarter of 2021.

Noninterest Income

Noninterest income for the quarter ended September 30, 2022 totaled $705,000 and decreased $103,000, or 12.7%, compared to $808,000 for the prior quarter.  The decrease was primarily due to a $121,000 decrease in the net gain on sales of residential mortgage loans, partially offset by a $19,000 increase in swap fee income. 

Noninterest income for the quarter ended September 30, 2022 decreased $1.4 million, or 66.1%, compared to $2.1 million for the quarter ended September 30, 2021.  The decrease was primarily due to a $1.9 million decrease in gain on sales of deposits which was recognized in connection with the sale of our Columbiana County, Ohio branches in Q3 2021.  This was partially offset by a $135,000 increase in net gain on sales of commercial loans and a $55,000 increase in service charges on deposit accounts.

During the second quarter 2022, we exited the DTC  mortgage originations business in favor of portfolio lending in our Regional markets with servicing retained. There were no loans sold during the three months ended September 30, 2022.  The following table represents the notional amount of loans sold during the three months ended June 30, 2022, and September 30, 2021.









 

 

 

 

 



Three Months ended



June 30, 2022

 

September 30, 2021

Notional amount of loans sold

$

 9,368 

 

$

 498,968 



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









 

 

 

 

 



Three Months ended



June 30, 2022

 

September 30, 2021

Gain (loss) on loans sold

$

 (103)

 

$

 6,415 

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

 

 92 

 

 

 (1,916)

Gain (loss) from change in fair value of derivatives

 

 132 

 

 

 (4,767)



$

 121 

 

$

 (268)



 

 

Noninterest Expense

Noninterest expense for the quarter ended September 30, 2022 totaled $8.6 million and increased $2.1 million, or 32.9%, compared to $6.5 million for the prior quarter.  The increase in noninterest expense was primarily due to a $597,000 increase in data processing expense and a $570,000 impairment of property and equipment. The increase in data processing expense was primarily related one-time charges for the conversion of our core processing system during the third quarter of 2022.  The impairment of property and equipment was related to the pending sale of our headquarters building in Worthington as we prepare to move our headquarters office to New Albany, Ohio.

Noninterest expense for the quarter ended September 30, 2022 increased $1.2 million, or 15.7%, compared to $7.4 million for the quarter ended September 30, 2021.  The increase in noninterest expense was primarily due to a $606,000 increase in data processing expense and a $570,000 impairment of property and equipment. As mentioned above, the increase in data processing expense was primarily related to the conversion of our core processing system during the third quarter of 2022 and the impairment of property and equipment was related to the pending sale of the Worthington headquarters building.

Income Tax Expense

Income tax expense was $1.0 million for the quarter ended September 30, 2022 (effective tax rate of 19.4%), compared to $1.2 million for the prior quarter (effective tax rate of 19.6%) and $985,000 for the quarter ended September 30, 2021 (effective tax rate of 19.5%).

Loans and Loans Held For Sale

Net loans and leases totaled $1.5 billion at September 30, 2022 and increased $95.7 million, or 6.9%, from the prior quarter and increased $259.7 million, or 21.4%, from December 31, 2021. The increase in net loans during the quarter was primarily due to a  $31.5 million increase in single-family residential loan balances, a $21.0 million increase in commercial real estate loan balances, a $19.7 million increase in multi-family loan balances, a $15.2 million increase in commercial loan balances,  a $6.1 million increase in construction loan balances, and a $2.6 million increase in home equity lines of credit.  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 $92.7 million increase in single-family residential loan balances, a $78.3 million increase in commercial loan balances, a $46.6 million increase in construction loan balances, a $20.9 million increase in multi-family loan balances, a $16.3 million increase in commercial real estate loan balances, and a $5.3 million increase in home equity lines of credit.  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).





 

 

 

 

 

 

 

 



September 30, 2022

 

June 30, 2022

 

March 31, 2022

Construction - 1-4 family

$

 56,397 

 

$

 42,281 

 

$

 34,386 

Construction - Multi-family

 

 79,714 

 

 

 56,071 

 

 

 57,363 

Construction - Non-residential

 

 40,744 

 

 

 30,220 

 

 

 35,381 

Hotel/Motel

 

 16,976 

 

 

 17,023 

 

 

 17,078 

Industrial / Warehouse

 

 23,658 

 

 

 26,362 

 

 

 27,902 

Land/Land Development

 

 20,996 

 

 

 27,895 

 

 

 29,315 

Medical/Healthcare/Senior Housing

 

 495 

 

 

 3,253 

 

 

 3,297 

Multi-family

 

 82,939 

 

 

 84,580 

 

 

 60,990 

Office

 

 45,070 

 

 

 40,526 

 

 

 41,254 

Retail

 

 25,029 

 

 

 26,631 

 

 

 30,630 

Other

$

 51,655 

 

$

 61,089 

 

$

 57,186 



 

 

Asset Quality

Nonaccrual loans were $1.0 million, or 0.07%, of total loans at September 30, 2022, an increase of $83,000 from nonaccrual loans at June  30, 2022 and an increase of $7,000 from nonaccrual loans at December 31, 2021.  Loans past due more than 30 days totaled $1.3 million at September 30, 2022 compared to $716,000 at June  30, 2022 and $3.6 million at December 31, 2021.

The allowance for loan and lease losses (ALLL) totaled $15.7 million at September 30, 2022 compared to $15.5 million at both June  30, 2022 and December 31, 2021.  The ratio of the ALLL to total loans was 1.05% at September 30, 2022 compared to 1.11% at June  30, 2022 and 1.26% at December 31, 2021.

There was $150,000 in provision for loan and lease losses expense for the quarter ended September 30, 2022.  There was no provision for loan losses expense for the quarters ended June  30, 2022  and September 30, 2021. Net recoveries for the quarter ended September 30, 2022 totaled $5,000 compared to net recoveries of $12,000 for the prior quarter and net charge-offs of $8,000 for the quarter ended September 30, 2021.

Deposits

Deposits totaled $1.5 billion at September 30, 2022, an increase of $112.5 million, or 8.2%, when compared to $1.4 billion at June  30, 2022, and an increase of $243.6 million, or 19.6%, when compared to $1.2 billion at December 31, 2021.    The increase when compared to the prior quarter end is primarily due to a $103.7 million increase in money market account balances and  a $39.0 million increase in checking account balances, partially offset by a $30.1 million decrease in certificate of deposit account balances. The increase when compared to December 31, 2021 is primarily due to a $242.0 million increase in money market account balances and a $15.5 million increase in certificate of deposit account balances, partially offset by a $12.9 million decrease in checking account balances.  The increase in money market account balances during the first nine months of 2022 was primarily driven by several new Public Funds deposit relationships totaling approximately $147 million.  Noninterest-bearing deposit accounts increased $26.4 million to $270.9 million from $244.5 million at June  30, 2022, and decreased $14.0 million from $284.9 million at December 31, 2021.

Borrowings

FHLB advances and other debt totaled $102.8 million at September 30, 2022, an increase of $27.2 million when compared to $75.6 million at June  30, 2022 and an increase of $13.1 million when compared to $89.7 million at December 31, 2021. The increase when compared to the prior quarter was due to an increase of $25.0 million in FHLB advances and an increase of  $2.2 million on the Company’s line of credit with a third party financial institution.  The increase when compared to December 31, 2021 was primarily due to a $15.0 million increase in FHLB advances, partially offset by net reductions of $1.5 million on the Company’s line of credit with a third party financial institution.

Capital

Stockholders’ equity totaled $134.9 million at September 30, 2022, an increase of $2.2 million, or 1.6%, from $132.7 million at June 30, 2022.  Stockholders’ equity increased $9.6 million, or 7.6%, from $125.3 million at December 31, 2021.  The increase in total stockholders’ equity during the three months ended September 30, 2022 was primarily attributed to net income, partially offset by a $217,000 other comprehensive loss and share repurchases of $1.7 million.  The increase in total stockholders’ equity during the nine months ended September 30, 2022 was primarily attributed to net income, partially offset by share repurchases of $2.3 million and a $1.5 million other comprehensive loss.  The other comprehensive loss was the result of the mark-to-market adjustment of our investment portfolio.

Use of Non-GAAP Financial Measures

This earnings release contains financial information and performance measures determined by methods other than in accordance with accounting principles generally accepted in the United States of America (GAAP).  Management uses these "non-GAAP" financial measures in its analysis of the Company’s performance and believes that these non-GAAP financial measures provide a greater understanding of ongoing operations and enhance comparability of results with prior periods and peers.  These disclosures should not be viewed as substitutes for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.  Non-GAAP financial measures included in this earnings release include Core Earnings, Core Earnings Per Share, Core Return on Average Assets and Core Return on Average Equity.  A reconciliation of these non-GAAP financial measures to the most

 

 

directly comparable GAAP financial measures is included at the end of this earnings release under the heading "GAAP TO NON-GAAP RECONCILIATION."



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 a  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. 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 inflationary pressures, 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 quarters ended March 31, 2022 and June 30, 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

 

 

 

Nine months ended

 

 



September 30,

 

 

 

September 30,

 

 



2022

 

2021

 

% change

 

2022

 

2021

 

% change

Total interest income

$

 18,006 

 

$

 12,703 

 

 42% 

 

$

 45,863 

 

 

 39,221 

 

 17% 

Total interest expense

 

 4,690 

 

 

 2,290 

 

 105% 

 

 

 10,228 

 

 

 8,151 

 

 25% 

     Net interest income

 

 13,316 

 

 

 10,413 

 

 28% 

 

 

 35,635 

 

 

 31,070 

 

 15% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provision for loan and lease losses

 

 150 

 

 

 -

 

n/m

 

 

 150 

 

 

 (1,600)

 

n/m

Net interest income after provision for loan and lease losses

 

 13,166 

 

 

 10,413 

 

 26% 

 

 

 35,485 

 

 

 32,670 

 

 9% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Service charges on deposit accounts

 

 268 

 

 

 213 

 

 26% 

 

 

 823 

 

 

 612 

 

 34% 

  Net gain on sales of residential mortgage loans

 

 -

 

 

 (268)

 

n/m

 

 

 678 

 

 

 5,348 

 

-87%

  Net gain on sale of commercial loans

 

 134 

 

 

 (1)

 

n/m

 

 

 277 

 

 

 1,158 

 

-76%

  Swap fee income

 

 24 

 

 

 -

 

n/m

 

 

 42 

 

 

 182 

 

-77%

  Gain on redemption of life insurance

 

 -

 

 

 -

 

n/m

 

 

 -

 

 

 383 

 

n/m

  Gain on sale of deposits

 

 -

 

 

 1,893 

 

-100%

 

 

 -

 

 

 1,893 

 

n/m

  Other

 

 279 

 

 

 240 

 

 16% 

 

 

 739 

 

 

 682 

 

 8% 

     Noninterest income

 

 705 

 

 

 2,077 

 

-66%

 

 

 2,559 

 

 

 10,258 

 

-75%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest expense

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Salaries and employee benefits

 

 4,112 

 

 

 4,250 

 

-3%

 

 

 11,311 

 

 

 13,410 

 

-16%

  Occupancy and equipment

 

 324 

 

 

 254 

 

 28% 

 

 

 955 

 

 

 835 

 

 14% 

  Data processing

 

 1,126 

 

 

 520 

 

 117% 

 

 

 2,175 

 

 

 1,580 

 

 38% 

  Franchise and other taxes

 

 178 

 

 

 241 

 

-26%

 

 

 839 

 

 

 723 

 

 16% 

  Professional fees

 

 896 

 

 

 959 

 

-7%

 

 

 2,148 

 

 

 3,555 

 

-40%

  Director fees

 

 171 

 

 

 156 

 

 10% 

 

 

 465 

 

 

 466 

 

 0% 

  Postage, printing, and supplies

 

 45 

 

 

 34 

 

 32% 

 

 

 126 

 

 

 120 

 

 5% 

  Advertising and marketing

 

 108 

 

 

 45 

 

 140% 

 

 

 287 

 

 

 2,572 

 

-89%

  Telephone

 

 66 

 

 

 65 

 

 2% 

 

 

 180 

 

 

 191 

 

-6%

  Loan expenses

 

 296 

 

 

 99 

 

 199% 

 

 

 502 

 

 

 187 

 

 168% 

  Depreciation

 

 134 

 

 

 108 

 

 24% 

 

 

 375 

 

 

 311 

 

 21% 

  FDIC premiums

 

 312 

 

 

 476 

 

-34%

 

 

 690 

 

 

 1,095 

 

-37%

  Regulatory assessment

 

 70 

 

 

 66 

 

 6% 

 

 

 201 

 

 

 196 

 

 3% 

  Other insurance

 

 45 

 

 

 45 

 

 0% 

 

 

 135 

 

 

 113 

 

 19% 

  Impairment of property and equipment

 

 570 

 

 

 -

 

n/m

 

 

 570 

 

 

 -

 

n/m

  Other

 

 146 

 

 

 111 

 

 32% 

 

 

 389 

 

 

 311 

 

 25% 

     Noninterest expense

 

 8,599 

 

 

 7,429 

 

 16% 

 

 

 21,348 

 

 

 25,665 

 

-17%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before income taxes

 

 5,272 

 

 

 5,061 

 

 4% 

 

 

 16,696 

 

 

 17,263 

 

-3%

Income tax expense

 

 1,023 

 

 

 985 

 

 4% 

 

 

 3,203 

 

 

 3,277 

 

-2%

Net Income

$

 4,249 

 

$

 4,076 

 

 4% 

 

$

 13,493 

 

$

 13,986 

 

-4%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Share Data

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per common share

$

 0.66 

 

$

 0.63 

 

 

 

$

 2.11 

 

$

 2.14 

 

 

Diluted earnings per common share

$

 0.65 

 

$

 0.61 

 

 

 

$

 2.06 

 

$

 2.10 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average common shares outstanding - basic

 

 6,393,531 

 

 

 6,510,504 

 

 

 

 

 6,408,342 

 

 

 6,528,126 

 

 

Average common shares outstanding - diluted 

 

 6,547,791 

 

 

 6,657,250 

 

 

 

 

 6,549,691 

 

 

 6,672,314 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

n/m - not meaningful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Statements of Financial Condition

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

($ in thousands)

Sept 30,

 

Jun 30,

 

Mar 31,

 

Dec 31,

 

Sept 30,

 

(unaudited)

2022

 

2022

 

2022

 

2021

 

2021

 

Assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

 198,066 

 

$

 154,850 

 

$

 168,290 

 

$

 166,591 

 

$

 68,161 

 

Interest-bearing deposits in other financial institutions

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

Securities available for sale

 

 11,436 

 

 

 12,220 

 

 

 13,004 

 

 

 16,347 

 

 

 17,128 

 

Equity Securities

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

Loans held for sale

 

 -

 

 

 -

 

 

 8,470 

 

 

 27,988 

 

 

 77,946 

 

Loans and leases

 

 1,489,570 

 

 

 1,393,759 

 

 

 1,296,836 

 

 

 1,229,657 

 

 

 1,139,199 

 

 Less allowance for loan and lease losses

 

 (15,687)

 

 

 (15,532)

 

 

 (15,520)

 

 

 (15,508)

 

 

 (15,487)

 

    Loans and leases, net

 

 1,473,883 

 

 

 1,378,227 

 

 

 1,281,316 

 

 

 1,214,149 

 

 

 1,123,712 

 

FHLB and FRB stock

 

 7,633 

 

 

 7,332 

 

 

 7,326 

 

 

 7,315 

 

 

 6,475 

 

Premises and equipment, net

 

 3,792 

 

 

 6,110 

 

 

 6,032 

 

 

 5,869 

 

 

 3,944 

 

Other assets held for sale

 

 1,930 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

Operating lease right of use assets

 

 1,499 

 

 

 1,638 

 

 

 1,782 

 

 

 1,925 

 

 

 1,462 

 

Bank owned life insurance

 

 26,189 

 

 

 26,038 

 

 

 25,889 

 

 

 25,743 

 

 

 25,582 

 

Accrued interest receivable and other assets

 

 34,514 

 

 

 27,962 

 

 

 26,986 

 

 

 24,562 

 

 

 25,446 

 

Total assets

$

 1,764,042 

 

$

 1,619,477 

 

$

 1,544,195 

 

$

 1,495,589 

 

$

 1,354,956 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders' Equity

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

    Noninterest bearing

$

 270,945 

 

$

 244,484 

 

$

 253,778 

 

$

 284,935 

 

$

 243,153 

 

    Interest bearing

 

 1,219,038 

 

 

 1,133,005 

 

 

 1,045,008 

 

 

 961,417 

 

 

 913,637 

 

         Total deposits

 

 1,489,983 

 

 

 1,377,489 

 

 

 1,298,786 

 

 

 1,246,352 

 

 

 1,156,790 

 

FHLB advances and other debt

 

 102,803 

 

 

 75,594 

 

 

 83,235 

 

 

 89,727 

 

 

 41,218 

 

Advances by borrowers for taxes and insurance

 

 2,573 

 

 

 1,879 

 

 

 2,078 

 

 

 2,752 

 

 

 1,756 

 

Operating lease liabilities

 

 1,588 

 

 

 1,736 

 

 

 1,889 

 

 

 2,032 

 

 

 1,578 

 

Accrued interest payable and other liabilities

 

 17,311 

 

 

 15,185 

 

 

 14,972 

 

 

 14,513 

 

 

 15,571 

 

Subordinated debentures

 

 14,912 

 

 

 14,903 

 

 

 14,893 

 

 

 14,883 

 

 

 14,874 

 

         Total liabilities

 

 1,629,170 

 

 

 1,486,786 

 

 

 1,415,853 

 

 

 1,370,259 

 

 

 1,231,787 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Stockholders' equity

 

 134,872 

 

 

 132,691 

 

 

 128,342 

 

 

 125,330 

 

 

 123,169 

 

Total liabilities and stockholders' equity

$

 1,764,042 

 

$

 1,619,477 

 

$

 1,544,195 

 

$

 1,495,589 

 

$

 1,354,956 

 







 

 

 











 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balance Sheet and Yield Analysis

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



For Three Months Ended



September 30, 2022

 

June 30, 2022

 

September 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)

$

 17,044 

 

$

 219 

 

 

 4.64% 

 

$

 17,744 

 

$

 221 

 

 

 4.58% 

 

$

 22,312 

 

$

 230 

 

 

 4.13% 

Loans and leases and loans held for sale (3)

 

 1,424,326 

 

 

 16,876 

 

 

 4.74% 

 

 

 1,327,636 

 

 

 14,042 

 

 

 4.23% 

 

 

 1,223,868 

 

 

 12,397 

 

 

 4.05% 

Other earning assets

 

 135,240 

 

 

 813 

 

 

 2.40% 

 

 

 162,912 

 

 

 364 

 

 

 0.89% 

 

 

 45,174 

 

 

 21 

 

 

 0.19% 

FHLB and FRB stock

 

 7,192 

 

 

 98 

 

 

 5.45% 

 

 

 7,329 

 

 

 78 

 

 

 4.26% 

 

 

 6,221 

 

 

 55 

 

 

 3.54% 

Total interest-earning assets

 

 1,583,802 

 

 

 18,006 

 

 

 4.54% 

 

 

 1,515,621 

 

 

 14,705 

 

 

 3.88% 

 

 

 1,297,575 

 

 

 12,703 

 

 

 3.92% 

Noninterest-earning assets

 

 78,222 

 

 

 

 

 

 

 

 

 81,305 

 

 

 

 

 

 

 

 

 81,674 

 

 

 

 

 

 

Total assets

$

 1,662,024 

 

 

 

 

 

 

 

$

 1,596,926 

 

 

 

 

 

 

 

$

 1,379,249 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 1,154,605 

 

 

 3,992 

 

 

 1.38% 

 

$

 1,108,079 

 

 

 2,501 

 

 

 0.90% 

 

$

 912,533 

 

 

 1,777 

 

 

 0.78% 

FHLB advances and other borrowings

 

 93,397 

 

 

 698 

 

 

 2.99% 

 

 

 92,612 

 

 

 659 

 

 

 2.85% 

 

 

 67,853 

 

 

 513 

 

 

 3.02% 

Total interest-bearing liabilities

 

 1,248,002 

 

 

 4,690 

 

 

 1.50% 

 

 

 1,200,691 

 

 

 3,160 

 

 

 1.05% 

 

 

 980,386 

 

 

 2,290 

 

 

 0.93% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing liabilities

 

 279,383 

 

 

 

 

 

 

 

 

 266,812 

 

 

 

 

 

 

 

 

 277,469 

 

 

 

 

 

 

Total liabilities

 

 1,527,385 

 

 

 

 

 

 

 

 

 1,467,503 

 

 

 

 

 

 

 

 

 1,257,855 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity

 

 134,639 

 

 

 

 

 

 

 

 

 129,423 

 

 

 

 

 

 

 

 

 121,394 

 

 

 

 

 

 

Total liabilities and equity

$

 1,662,024 

 

 

 

 

 

 

 

$

 1,596,926 

 

 

 

 

 

 

 

$

 1,379,249 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest-earning assets

$

 335,800 

 

 

 

 

 

 

 

$

 314,930 

 

 

 

 

 

 

 

$

 317,189 

 

 

 

 

 

 

Net interest income/interest rate spread

 

 

 

$

 13,316 

 

 

 3.04% 

 

 

 

 

$

 11,545 

 

 

 2.83% 

 

 

 

 

$

 10,413 

 

 

 2.99% 

Net interest margin

 

 

 

 

 

 

 

 3.36% 

 

 

 

 

 

 

 

 

 3.04% 

 

 

 

 

 

 

 

 

 3.21% 

Average interest-earning assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to average interest-bearing liabilities

 

 126.91% 

 

 

 

 

 

 

 

 

 126.23% 

 

 

 

 

 

 

 

 

 132.35% 

 

 

 

 

 

 







(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 nine months ended

($ in thousands except per share data)

 

Sept 30,

 

Jun 30,

 

Mar 31,

 

Dec 31,

 

Sept 30,

 

 

September 30,

(unaudited)

 

2022

 

2022

 

2022

 

2021

 

2021

 

 

2022

 

 

2021

Earnings and Dividends

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

$

 13,316 

 

$

 11,545 

 

$

 10,774 

 

$

 10,969 

 

$

 10,413 

 

$

 35,635 

 

$

 31,070 

Provision for loan and lease losses

 

$

 150 

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 150 

 

$

 (1,600)

Noninterest income

 

$

 705 

 

$

 808 

 

$

 1,046 

 

$

 1,382 

 

$

 2,077 

 

$

 2,559 

 

$

 10,258 

Noninterest expense

 

$

 8,599 

 

$

 6,472 

 

$

 6,277 

 

$

 6,796 

 

$

 7,429 

 

$

 21,348 

 

$

 25,665 

Net Income

 

$

 4,249 

 

$

 4,726 

 

$

 4,518 

 

$

 4,467 

 

$

 4,076 

 

$

 13,493 

 

$

 13,986 

Basic earnings per common share

 

$

 0.66 

 

$

 0.74 

 

$

 0.70 

 

$

 0.69 

 

$

 0.63 

 

$

 2.11 

 

$

 2.14 

Diluted earnings per common share

 

$

 0.65 

 

$

 0.72 

 

$

 0.69 

 

$

 0.68 

 

$

 0.61 

 

$

 2.06 

 

$

 2.10 

Dividends declared per share

 

$

 0.05 

 

$

 0.04 

 

$

 0.04 

 

$

 0.04 

 

$

 0.03 

 

$

 0.13 

 

$

 0.09 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performance Ratios (annualized)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 

 1.02% 

 

 

 1.18% 

 

 

 1.24% 

 

 

 1.29% 

 

 

 1.18% 

 

 

 1.14% 

 

 

 1.25% 

Return on average equity

 

 

 12.62% 

 

 

 14.61% 

 

 

 14.32% 

 

 

 14.50% 

 

 

 13.43% 

 

 

 13.74% 

 

 

 15.96% 

Average yield on interest-earning assets

 

 

 4.54% 

 

 

 3.88% 

 

 

 3.82% 

 

 

 4.02% 

 

 

 3.92% 

 

 

 4.08% 

 

 

 3.72% 

Average rate paid on interest-bearing liabilities

 

 

 1.50% 

 

 

 1.05% 

 

 

 0.90% 

 

 

 0.88% 

 

 

 0.93% 

 

 

 1.17% 

 

 

 0.97% 

Average interest rate spread

 

 

 3.04% 

 

 

 2.83% 

 

 

 2.92% 

 

 

 3.14% 

 

 

 2.99% 

 

 

 2.91% 

 

 

 2.75% 

Net interest margin, fully taxable equivalent

 

 

 3.36% 

 

 

 3.04% 

 

 

 3.13% 

 

 

 3.36% 

 

 

 3.21% 

 

 

 3.17% 

 

 

 2.94% 

Efficiency ratio

 

 

 61.33% 

 

 

 52.39% 

 

 

 53.10% 

 

 

 55.02% 

 

 

 59.48% 

 

 

 55.89% 

 

 

 62.10% 

Noninterest expense to average assets

 

 

 2.07% 

 

 

 1.62% 

 

 

 1.72% 

 

 

 1.97% 

 

 

 2.15% 

 

 

 1.81% 

 

 

 2.30% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital leverage ratio (1)

 

 

 10.00% 

 

 

 10.09% 

 

 

 11.06% 

 

 

 11.29% 

 

 

 11.04% 

 

 

 10.00% 

 

 

 11.04% 

Total risk-based capital ratio (1)

 

 

 12.78% 

 

 

 13.33% 

 

 

 14.01% 

 

 

 14.02% 

 

 

 14.22% 

 

 

 12.78% 

 

 

 14.22% 

Tier 1 risk-based capital ratio (1)

 

 

 11.65% 

 

 

 12.13% 

 

 

 12.76% 

 

 

 12.77% 

 

 

 12.97% 

 

 

 11.65% 

 

 

 12.97% 

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

 

 

 11.65% 

 

 

 12.13% 

 

 

 12.76% 

 

 

 12.77% 

 

 

 12.97% 

 

 

 11.65% 

 

 

 12.97% 

Equity to total assets at end of period

 

 

 7.65% 

 

 

 8.19% 

 

 

 8.31% 

 

 

 8.38% 

 

 

 9.09% 

 

 

 7.65% 

 

 

 9.09% 

Book value per common share

 

$

 20.85 

 

$

 20.25 

 

$

 19.70 

 

$

 19.28 

 

$

 18.69 

 

$

 20.85 

 

$

 18.69 

Tangible book value per common share

 

$

 20.85 

 

$

 20.25 

 

$

 19.70 

 

$

 19.28 

 

$

 18.69 

 

$

 20.85 

 

$

 18.69 

Period-end market value per common share

 

$

 20.62 

 

$

 21.00 

 

$

 22.30 

 

$

 20.53 

 

$

 20.45 

 

$

 20.62 

 

$

 20.45 

Period-end common shares outstanding

 

 

 6,467,278 

 

 

 6,552,020 

 

 

 6,515,927 

 

 

 6,500,248 

 

 

 6,588,343 

 

 

 6,467,278 

 

 

 6,588,343 

Average basic common shares outstanding

 

 

 6,393,531 

 

 

 6,413,884 

 

 

 6,417,881 

 

 

 6,448,896 

 

 

 6,510,504 

 

 

 6,408,342 

 

 

 6,528,126 

Average diluted common shares outstanding

 

 

 6,547,791 

 

 

 6,552,763 

 

 

 6,548,380 

 

 

 6,585,511 

 

 

 6,657,250 

 

 

 6,549,691 

 

 

 6,672,314 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Asset Quality

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming loans

 

$

 1,004 

 

$

 921 

 

$

 1,006 

 

$

 997 

 

$

 1,011 

 

$

 1,004 

 

$

 1,011 

Nonperforming loans to total loans

 

 

 0.07% 

 

 

 0.07% 

 

 

 0.08% 

 

 

 0.08% 

 

 

 0.09% 

 

 

 0.07% 

 

 

 0.09% 

Nonperforming assets to total assets

 

 

 0.06% 

 

 

 0.06% 

 

 

 0.07% 

 

 

 0.07% 

 

 

 0.07% 

 

 

 0.06% 

 

 

 0.07% 

Allowance for loan and lease losses to total loans

 

 

 1.05% 

 

 

 1.11% 

 

 

 1.20% 

 

 

 1.26% 

 

 

 1.36% 

 

 

 1.05% 

 

 

 1.36% 

Allowance for loan and lease losses to nonperforming loans

 

 

 1562.45% 

 

 

 1686.43% 

 

 

 1542.74% 

 

 

 1555.47% 

 

 

 1531.85% 

 

 

 1562.45% 

 

 

 1531.85% 

Net charge-offs (recoveries)

 

$

 (5)

 

$

 (12)

 

$

 (12)

 

$

 (21)

 

$

 8 

 

$

 (29)

 

$

 (65)

Annualized net charge-offs (recoveries) to average loans

 

 

 0.00% 

 

 

 0.00% 

 

 

 0.00% 

 

 

 (0.01%)

 

 

 0.00% 

 

 

 0.00% 

 

 

 (0.01%)



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

 1,439,863 

 

$

 1,340,330 

 

$

 1,254,639 

 

$

 1,173,853 

 

$

 1,065,069 

 

$

 1,346,613 

 

$

 1,006,514 

Assets

 

$

 1,662,024 

 

$

 1,596,926 

 

$

 1,456,003 

 

$

 1,381,158 

 

$

 1,379,249 

 

$

 1,573,180 

 

$

 1,487,855 

Stockholders' equity

 

$

 134,639 

 

$

 129,423 

 

$

 126,199 

 

$

 123,232 

 

$

 121,394 

 

$

 130,889 

 

$

 116,830 



(1)  Regulatory capital ratios of CFBank



 

 





GAAP TO NON-GAAP RECONCILIATION



This press release contains certain non-GAAP disclosures for: (1) Core Earnings, (2) Core Earnings Per Share, (3) Core Return on Average Assets and (4) Core Return on Average Equity.  The Company uses these non-GAAP financial measures to provide meaningful supplemental information regarding the Company’s operations performance and to enhance investors’ overall understanding of such financial performance.  Accordingly, we disclose the non-GAAP measures in addition to the related GAAP measures of: (1) Net Income, (2) Earnings Per Share (3) Return on Average Assets and (4) Return on Average Equity.



The table below presents the reconciliation of these GAAP financial measures to the related non-GAAP financial measures ($ in thousands except per share data): 





 

 

 

 

 

 

 

 

Core Earnings, Core Earnings Per Share, Core Return

 

 

 

 

 

 

 

 

on Average Assets and Core Return on Average Equity (unaudited)

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 



Three Months Ended



September 30,

 

June 30,

 

September 30,



2022

 

2022

 

2021

Net income  (GAAP)

$

 4,249 

 

$

 4,726 

 

$

 4,076 

Conversion expenses

 

 627 

 

 

 74 

 

 

 -

Impairment of property and equipment

 

 570 

 

 

 -

 

 

 -

Gain on sale of deposits

 

 -

 

 

 -

 

 

 (1,893)

Income tax effect of non-recurring items

 

 (251)

 

 

 (16)

 

 

 398 

Core earnings  (Non-GAAP)

$

 5,195 

 

$

 4,784 

 

$

 2,581 



 

 

 

 

 

 

 

 

Diluted earnings per share  (GAAP)

$

 0.65 

 

$

 0.72 

 

$

 0.61 

Conversion expenses

 

 0.10 

 

 

 0.01 

 

 

 -

Impairment of property and equipment

 

 0.09 

 

 

 -

 

 

 -

Gain on sale of deposits

 

 -

 

 

 -

 

 

 (0.28)

Income tax effect of non-recurring items

 

 (0.04)

 

 

 -

 

 

 0.06 

Diluted core earnings per share  (Non-GAAP)

$

 0.80 

 

$

 0.73 

 

$

 0.39 



 

 

 

 

 

 

 

 

Return on average assets  (a)  (GAAP)

 

 1.02% 

 

 

 1.18% 

 

 

 1.18% 

Core return on average assets  (b)  (Non-GAAP)

 

 1.25% 

 

 

 1.20% 

 

 

 0.75% 



 

 

 

 

 

 

 

 

Return on average equity  (c)  (GAAP)

 

 12.62% 

 

 

 14.61% 

 

 

 13.43% 

Core return on average equity  (d)  (Non-GAAP)

 

 15.43% 

 

 

 14.79% 

 

 

 8.50% 



 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

(a) Annualized net income divided by average assets

 

 

 

 

 

 

 

 

(b) Annualized core earnings divided by average assets

 

 

 

 

 

 

 

 

(c) Annualized net income divided by average stockholders' equity

 

 

 

 

 

 

 

 

(d) Annualized core earnings divided by average stockholders' equity

 

 

 

 

 

 

 

 



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Document And Entity Information
Nov. 07, 2022
Document And Entity Information [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Nov. 07, 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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