0001070680-24-000003.txt : 20240207 0001070680-24-000003.hdr.sgml : 20240207 20240207091315 ACCESSION NUMBER: 0001070680-24-000003 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20240207 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240207 DATE AS OF CHANGE: 20240207 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CF BANKSHARES INC. CENTRAL INDEX KEY: 0001070680 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] ORGANIZATION NAME: 02 Finance 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: 24602389 BUSINESS ADDRESS: STREET 1: C/O CFBANK STREET 2: 4960 EAST DUBLIN GRANVILLE RD, SUITE 400 CITY: COLUMBUS STATE: OH ZIP: 43081 BUSINESS PHONE: 6143347979 MAIL ADDRESS: STREET 1: C/O CFBANK STREET 2: 4960 EAST DUBLIN GRANVILLE RD, SUITE 400 CITY: COLUMBUS STATE: OH ZIP: 43081 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-20240207x8k.htm 8-K cfbk-20240207x8k
false000107068000010706802024-02-072024-02-07

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): February 7, 2024

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 No.)

4960 E. Dublin Granville Road, Suite #400, Columbus, Ohio

43081

(614) 334-7979

(Address of principal executive offices)

(Zip Code)

(Registrant’s Telephone Number)

N/A

(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 February 7, 2024, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the fourth quarter and year ended December 31, 2023 (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 February 7, 2024, announcing financial results for the fourth quarter and year ended December 31, 2023.

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: February 7, 2024

By:

/s/ Kevin J. Beerman

Kevin J. Beerman

Executive Vice President and Chief Financial Officer

 EX-99.1 2 cfbk-20240207xex99_1.htm EX-99.1 Exhibit 991 earnings release 123123

                                                                                                                                                    Exhibit 99.1

Picture 3

Parent of CFBank, NA





 





 



 



PRESS RELEASE

 

FOR IMMEDIATE RELEASE:

February 7, 2024

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 4th QUARTER AND FULL YEAR 2023.  



Columbus, Ohio – February 7, 2024 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Association (“CFBank”), today announced financial results for the fourth quarter and the full year ended December 31, 2023.



Fourth Quarter and Full Year 2023 Highlights

·

Net Income was $4.2 million ($0.65 per diluted common share) for the fourth quarter and $16.9 million ($2.63 per diluted common share) for the year ended December 31, 2023.  

·

Pre-provision, pre-tax net revenue ("PPNR") for the fourth quarter of 2023 was $6.0 million.  PPNR for the year ended December 31, 2023 was $23.3 million.

·

For the fourth quarter of 2023, Return on Average Equity (ROE) was 11.02% and PPNR ROE was 15.72%, while Return on Average Assets (ROA) was 0.84% and PPNR ROA was 1.19%.

·

Assets topped $2 billion at December 31, 2023.

·

Noninterest-bearing deposits increased $21.6 million, or 10.1%, during the fourth quarter of 2023.

·

Book value per share increased to $23.74 as of December 31, 2023.

·

Credit quality remains strong with loans more than 30 days past due at 0.11% of total loans and nonperforming loans to total loans of 0.33% as of December 31, 2023.



Recent Developments

·

On January 3, 2024, the Company’s Board of Directors declared a Cash Dividend of $0.06 per share paid on January 29, 2024 to shareholders of record as of the close of business on January 16, 2024.    

 

 

CEO and Board Chair Commentary



Timothy T. O’Dell, President and CEO, commented: “Net earnings were $4.2 million for the fourth quarter, which were impacted by provisions for credit losses of $875,000. 



During the quarter, our charge offs were $633,000, which were related to two commercial loans in the transportation (trucking) sector.  Our exposure to this sector is less than 1% of total loans and leases.



Our Total Assets topped $2 billion at December 31, 2023, and were primarily comprised of net loans and leases totaling $1.7 billion, as we continue to have only a nominal investment portfolio.



Loans grew by $34 million during the fourth quarter. 



Our fourth quarter Efficiency Ratio was 52.75%, demonstrating our success in managing overhead and tight expense controls.



Deposits during the fourth quarter increased $59 million, with Non-interest bearing deposits increasing $22 million. 



CFBank moved into the top ten Central Ohio Banks ranked by deposits, topping the $1 billion deposit level in Central Ohio.



We are highly encouraged by the strength of our increasing Business opportunities early in this new year. These opportunities include loans and deposits as well as Fee income business lines:  Salable mortgage lending, Treasury management fees & Credit Card fee revenue, all are gaining increasing business traction. 



Additionally, we are attracting top banking talent and quality business from Regional banks and other competitors as we continue building and strengthening our business presence & teams in the four Major Metro Markets we serve (Columbus, Cleveland, Cincinnati and Indianapolis).



As we move into 2024, we expect Net Interest Margin (NIM) to remain challenging, however, we are seeing signs of improving stability. Remaining nimble and maintaining efficient operations, positions us to effectively manage through changes in interest rates moving forward, while taking advantage of profitable market growth opportunities.



We are gaining business momentum and raising the bar through consistently executing well the fundamentals of our business and growth plan.



We believe “Our bests are yet Ahead!”



Robert E. Hoeweler, Chairman of the Board, added: “Through January 2024, when measured over a 1-year, 5-year and 10-year period, the performance of our stock has significantly outperformed both the KBW Regional Banking ETF and the S&P Regional Banking ETF.  Also, since our recap in late 2012, the CFBK stock price has appreciated 164%.  Our insider ownership above 40% truly aligns our interests with Shareholders.”

 

 

Overview of Results 

Net income for the three months ended December 31,  2023 totaled $4.2 million (or $0.65 per diluted common share) compared to net income of $4.0 million (or $0.62 per diluted common share) for the three months ended September 30, 2023 and net income of $4.7 million (or $0.72 per diluted common share) for the three months ended December 31, 2022.  Pre-provision, pre-tax net revenue (“PPNR”) for the three months ended December  31, 2023 was $6.0 million compared to PPNR of $6.2 million for the three months ended September 30, 2023 and PPNR of $6.5 million for the three months ended December 31, 2022.

Net income for the year ended December 31, 2023 totaled $16.9 million (or $2.63 per diluted common share) compared to net income of $18.2 million (or $2.78 per diluted common share) for the year ended December 31, 2022.  PPNR was $23.3 million for the year ended December 31, 2023 compared to $23.4 million for the year ended December 31, 2022.

 

 

Net Interest Income and Net Interest Margin

Net interest income totaled $11.8 million for the quarter ended December  31, 2023 and increased $87,000, or 0.7%, compared to $11.7 million in the prior quarter, and decreased $1.4 million, or 10.6%, compared to $13.2 million in the fourth quarter of 2022.

The increase in net interest income compared to the prior quarter was primarily due to a  $1.5 million, or 5.5%, increase in interest income, partially offset by a $1.4 million, or 8.8%, increase in interest expense.  The increase in interest income was primarily attributed to a $65.3 million, or 3.5%, increase in average interest-earning assets, coupled with a 12bps increase in the average yield on interest-earning assets.    The increase in interest expense when compared to the prior quarter was attributed to a 25bps increase in the average cost of funds on interest-bearing liabilities, coupled with a $44.8 million, or 2.9%, increase in average interest-bearing liabilities. The net interest margin of 2.44% for the quarter ended December 31, 2023 decreased 6bps compared to the net interest margin of 2.50% for the prior quarter.

The decrease in net interest income compared to the fourth quarter of 2022 was primarily due to a $9.2 million, or 105.3%, increase in interest expense, partially offset by a $7.8 million, or 35.7%, increase in interest income.  The increase in interest expense was attributed to a 195bps increase in the average cost of funds on interest-bearing liabilities, coupled with a $222.0 million, or 16.1%, increase in average interest-bearing liabilities. The increase in interest income was primarily attributed to a  104bps increase in the average yield on interest-earning assets, coupled with a  $218.7 million, or 12.8%, increase in average interest-earning assets outstanding. The net interest margin of 2.44% for the quarter ended December 31 2023 decreased 64bps compared to the net interest margin of 3.08% for the fourth quarter of 2022.

Noninterest Income

Noninterest income for the quarter ended December  31, 2023 totaled $1.0 million and decreased $268,000, or 20.6%, compared to $1.3 million for the prior quarter.  The decrease was primarily due to a $345,000 decrease in swap fee income, partially offset by a $91,000 increase in service charges on deposit accounts.    

Noninterest income for the quarter ended December 31, 2023 increased $382,000, or 58.7%, compared to $651,000 for the quarter ended December 31, 2022.  The increase was primarily due to a $175,000 increase in service charges on deposit accounts, a $56,000 increase in the net gain on sales of residential loans and a  $173,000 decrease in the loss on the redemption of life insurance.

The following table represents the notional amount of loans sold during the three months ended December 31, 2023,  September 30, 2023, and December 31, 2022 (in thousands).







 

 

 

 

 

 

 

 



Three Months ended



December 31, 2023

 

September 30, 2023

 

December 31, 2022

Notional amount of loans sold

$

 1,990 

 

$

 3,646 

 

$

 2,717 





Noninterest Expense

Noninterest expense for the quarter ended December  31, 2023 totaled $6.7 million and decreased $15,000, or 0.2%, compared to $6.8 million for the prior quarter.  The decrease in noninterest expense was primarily due to a $91,000 decrease in salaries and employee benefits,  partially offset by a $72,000 increase in data processing expense.  The decrease in salaries and benefits was primarily due to a decrease in incentive compensation expense.   The increase in data processing expense was  primarily due to one-time implementation expenses for certain product enhancements.

Noninterest expense for the quarter ended December 31, 2023 decreased $528,000, or 7.3%, compared to $7.3 million for the quarter ended December 31, 2022.  The decrease in noninterest expense was primarily due to a $485,000 decrease in salaries and employee benefits and a $115,000 decrease in advertising and marketing expense, partially offset by a $185,000 increase in FDIC premiums.    The decrease in salaries and employee benefits was primarily due to a decrease in the number of employees coupled with lower payroll taxes.  The decrease in advertising and marketing expense was due to a reduction in advertising campaigns.  The increase in FDIC premiums was related to increased assets and deposit levels and assessment rates.

 

 

Income Tax Expense

Income tax expense was $932,000 for the quarter ended December 31, 2023 (effective tax rate of 18.0%), compared to $984,000 for the prior quarter (effective tax rate of 19.6%) and $1.2 million for the quarter ended December 31, 2022 (effective tax rate of 20.8%).

Loans and Loans Held For Sale

Net loans and leases totaled $1.7 billion at December 31, 2023 and increased $34.4 million, or 2.1%, from the prior quarter and increased $121.9 million, or 7.8%, from December 31, 2022. The increase in net loans and leases from September 30, 2023 was primarily due to a $40.5 million increase in commercial real estate loan balances, an $11.9 million increase in commercial loan balances, and a $6.0 million increase in multi-family loan balances, partially offset by a $26.6 million decrease in construction loan balances.  The increases in the aforementioned loan balances were primarily related to increased sales activity and new relationships.  The decrease in construction loan balances was primarily related to $35.7 million of loans that paid off and $18.9 million of loans that converted to permanent loans upon the completion of construction, partially offset by $28.0 million of new construction loan advances.

The increase in net loans and leases from December 31, 2022 was primarily due to  a $57.9 million increase in commercial real estate loan balances, a $26.6 million increase in multi-family loan balances, a $13.2 million increase in single-family residential loan balances, a $12.5 million increase in commercial loan balances, a $6.6 million increase in construction loan balances, and a $5.2 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).





 

 

 

 



December 31, 2023

September 30, 2023

Construction – 1-4 family*

$

 20,663 

$

 15,788 

Construction – Multi-family*

 

 109,379 

 

 132,538 

Construction – Non-residential*

 

 57,459 

 

 60,647 

Hotel/Motel

 

 12,284 

 

 12,360 

Industrial / Warehouse

 

 52,923 

 

 27,966 

Land/Land Development

 

 20,749 

 

 21,281 

Medical/Healthcare/Senior Housing

 

 373 

 

 395 

Multi-family

 

 164,641 

 

 154,764 

Office

 

 41,072 

 

 42,432 

Retail

 

 37,239 

 

 25,049 

Other

 

 62,226 

 

 62,275 



*CFBank possesses a core competency and deep expertise in Construction Lending.  The construction lending business sector has produced many full banking relationships with proven developers with long successful track records.

Asset Quality

Nonaccrual loans were $5.7 million, or 0.33%, of total loans at December 31, 2023,  an increase of $1.1 million from $4.6 million at September 30, 2023 and an increase of $5.0 million from $761,000 at December 31, 2022.  The increase in nonaccrual loans when compared to the prior quarter end was primarily due to three commercial loans, totaling $1.7 million, becoming nonaccrual during the fourth quarter 2023.  Of the $1.7 million that became nonaccrual during the quarter, $1.0 million is covered by an SBA guarantee.

The increase in nonaccrual loans when compared to December 31, 2022 was primarily driven by five commercial loans, totaling $4.9 million, becoming nonaccrual during the year ended December 31, 2023.  Loans past due more than 30 days totaled $2.0 million at December 31, 2023 compared to $2.4 million at September 30, 2023 and $2.1 million at December 31, 2022.    

The allowance for credit losses on loans and leases totaled $16.9 million at December 31, 2023 compared to $17.0 million at September 30, 2023 and $16.1 million at December 31, 2022.  The ratio of the allowance for credit losses on loans and leases to total loans and leases was 0.99% at December 31, 2023 compared to 1.02% at September 30, 2023 and 1.01% at December

 

 

31, 2022.  The decrease in the allowance for credit losses during the quarter ended December 31, 2023 was primarily driven by a decrease in reserves placed on individually-evaluated commercial loans.  This was the result of two individually-evaluated loans being charged down to the fair market value of their collateral.

On January 1, 2023, the Company adopted the current expected credit loss (CECL) model, which resulted in an increase to the reserve for credit losses of $49,000.  There was $875,000 in provision for credit loss expense for the quarter ended December 31, 2023, a $1.2 million provision for credit loss expense for the quarter ended September 30, 2023 and a $637,000 provision for credit loss expense for the quarter ended December 31, 2022.  Net charge-offs for the quarter ended December 31, 2023 totaled $623,000 compared to net charge-offs of $126,000 for the prior quarter and net charge offs of $262,000 for the quarter ended December 31, 2022.

Deposits

Deposits totaled $1.7 billion at December 31, 2023, an increase of $59.1 million, or 3.5%, when compared to $1.7 billion at September 30, 2023, and an increase of $216.1 million, or 14.1%, when compared to $1.5 billion at December 31 2022.    The increase when compared to the prior quarter end is primarily due to a  $41.2 million increase in checking account balances, a $16.2 million increase in certificate of deposit account balances, and a $2.9 million increase in money market account balances, partially offset by a  $1.2 million decrease in savings account balances.    

The increase in deposits when compared to December 31, 2022 is primarily due to a $105.3 million increase in certificate of deposit account balances, a $102.5 million increase in money market account balances, and an $11.4 million increase in checking account balances, partially offset by a $3.1 million decrease in savings account balances.

Noninterest-bearing deposit accounts totaled $235.9 million at December 31, 2023 and increased $21.6 million from $214.3 million at September 30, 2023 and decreased $27.3 million from $263.2 million at December 31, 2022.  At December 31, 2023, approximately 29.2% of our deposit balances exceeded the FDIC insurance limit of $250,000, as compared to approximately 28.0% at September 30, 2023 and 31.6% at December 31, 2022.

Borrowings

FHLB advances and other debt totaled $110.0 million at December 31, 2023 and at September 30, 2023 and increased  $534,000 when compared to $109.5 million at December 31, 2022. The increase when compared to December 31, 2022 was due to a $4.0 million increase on the Company’s line of credit with a third party financial institution, partially offset by a $3.5 million decrease in FHLB advances.    

Capital

Stockholders’ equity totaled $155.4 million at December 31, 2023, an increase of $4.1  million, or 2.7%, from $151.3 million at September 30, 2023.  Stockholders’ equity increased $16.1 million, or 11.6%, from $139.2 million at December 31, 2022.  The increase in total stockholders’ equity during the three months ended December 31, 2023 was primarily attributed to net income, partially offset by $386,000 in dividend payments.  The increase in total stockholders’ equity during the year ended December 31, 2023 was primarily attributed to net income, partially offset by $1.5 million in dividend payments and a $253,000 increase in 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”).  Non-GAAP financial measures included in this earnings release include Tangible book value per common share, Pre-Provision, Pre-Tax Net Revenue (PPNR), PPNR Return on Average Assets (PPNR ROA) and PPNR Return on Average Equity (PPNR ROE).  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.  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 in excess of 20%.

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 was named one of Piper Sandler’s “Bank & Thrift Sm-All Stars” for 2023.  This recognition places us among the top 10% of small-cap banks and thrifts in the United States.  In addition, 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, 2022.

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 those 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, 2022, as supplemented by the risk factors identified in “Item 1A. Risk Factors” of Part II of our Quarterly Report on Form 10-Q filed with the SEC for the quarter ended March 31, 2023.

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

 

 

 

Year ended

 

 



December 31,

 

 

 

December 31,

 

 



2023

 

2022

 

% change

 

2023

 

2022

 

% change

Total interest income

$

 29,712 

 

$

 21,901 

 

 36% 

 

$

 108,279 

 

 

 67,764 

 

 60% 

Total interest expense

 

 17,958 

 

 

 8,746 

 

 105% 

 

 

 60,639 

 

 

 18,974 

 

 220% 

     Net interest income

 

 11,754 

 

 

 13,155 

 

-11%

 

 

 47,640 

 

 

 48,790 

 

-2%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provision for credit losses

 

 875 

 

 

 637 

 

 37% 

 

 

 2,317 

 

 

 787 

 

 194% 

Net interest income after provision for credit losses

 

 10,879 

 

 

 12,518 

 

-13%

 

 

 45,323 

 

 

 48,003 

 

-6%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Service charges on deposit accounts

 

 487 

 

 

 312 

 

 56% 

 

 

 1,566 

 

 

 1,135 

 

 38% 

  Net gain (loss) on sales of residential mortgage loans

 

 34 

 

 

 (22)

 

n/m

 

 

 119 

 

 

 656 

 

-82%

  Net gains on sale of commercial loans

 

 54 

 

 

 76 

 

-29%

 

 

 66 

 

 

 353 

 

-81%

  Swap fee income

 

 99 

 

 

 148 

 

-33%

 

 

 715 

 

 

 190 

 

 276% 

  Gain (loss) on redemption of life insurance

 

 -

 

 

 (173)

 

n/m

 

 

 -

 

 

 (173)

 

n/m

  Other

 

 359 

 

 

 310 

 

 16% 

 

 

 1,565 

 

 

 1,049 

 

 49% 

     Noninterest income

 

 1,033 

 

 

 651 

 

 59% 

 

 

 4,031 

 

 

 3,210 

 

 26% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest expense

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Salaries and employee benefits

 

 3,329 

 

 

 3,814 

 

-13%

 

 

 14,513 

 

 

 15,125 

 

-4%

  Occupancy and equipment

 

 430 

 

 

 298 

 

 44% 

 

 

 1,694 

 

 

 1,253 

 

 35% 

  Data processing

 

 604 

 

 

 632 

 

-4%

 

 

 2,172 

 

 

 2,807 

 

-23%

  Franchise and other taxes

 

 328 

 

 

 312 

 

 5% 

 

 

 1,263 

 

 

 1,151 

 

 10% 

  Professional fees

 

 597 

 

 

 610 

 

-2%

 

 

 2,470 

 

 

 2,758 

 

-10%

  Director fees

 

 162 

 

 

 167 

 

-3%

 

 

 658 

 

 

 632 

 

 4% 

  Postage, printing, and supplies

 

 26 

 

 

 57 

 

-54%

 

 

 149 

 

 

 183 

 

-19%

  Advertising and marketing

 

 29 

 

 

 144 

 

-80%

 

 

 336 

 

 

 431 

 

-22%

  Telephone

 

 60 

 

 

 69 

 

-13%

 

 

 257 

 

 

 249 

 

 3% 

  Loan expenses

 

 109 

 

 

 192 

 

-43%

 

 

 619 

 

 

 694 

 

-11%

  Depreciation

 

 141 

 

 

 121 

 

 17% 

 

 

 567 

 

 

 496 

 

 14% 

  FDIC premiums

 

 625 

 

 

 440 

 

 42% 

 

 

 2,215 

 

 

 1,130 

 

 96% 

  Regulatory assessment

 

 61 

 

 

 71 

 

-14%

 

 

 242 

 

 

 272 

 

-11%

  Other insurance

 

 55 

 

 

 42 

 

 31% 

 

 

 209 

 

 

 177 

 

 18% 

  Impairment of property and equipment

 

 -

 

 

 -

 

n/m

 

 

 -

 

 

 570 

 

n/m

  Other

 

 189 

 

 

 304 

 

-38%

 

 

 1,005 

 

 

 693 

 

 45% 

     Noninterest expense

 

 6,745 

 

 

 7,273 

 

-7%

 

 

 28,369 

 

 

 28,621 

 

-1%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before income taxes

 

 5,167 

 

 

 5,896 

 

-12%

 

 

 20,985 

 

 

 22,592 

 

-7%

Income tax expense

 

 932 

 

 

 1,225 

 

-24%

 

 

 4,048 

 

 

 4,428 

 

-9%

Net income

$

 4,235 

 

$

 4,671 

 

-9%

 

$

 16,937 

 

$

 18,164 

 

-7%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Share Data

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per common share

$

 0.66 

 

$

 0.73 

 

 

 

$

 2.64 

 

$

 2.84 

 

 

Diluted earnings per common share

$

 0.65 

 

$

 0.72 

 

 

 

$

 2.63 

 

$

 2.78 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average common shares outstanding - basic

 

 6,433,568 

 

 

 6,363,552 

 

 

 

 

 6,421,088 

 

 

 6,397,053 

 

 

Average common shares outstanding - diluted 

 

 6,469,862 

 

 

 6,491,820 

 

 

 

 

 6,447,447 

 

 

 6,535,160 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

n/m - not meaningful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Statements of Financial Condition

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

($ in thousands)

Dec 31,

 

Sept 30,

 

Jun 30,

 

Mar 31,

 

Dec 31,

 

(unaudited)

2023

 

2023

 

2023

 

2023

 

2022

 

Assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

 261,595 

 

$

 229,763 

 

$

 231,600 

 

$

 214,248 

 

$

 151,787 

 

Interest-bearing deposits in other financial institutions

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

Securities available for sale

 

 8,092 

 

 

 8,480 

 

 

 8,966 

 

 

 9,661 

 

 

 10,442 

 

Equity securities

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

Loans held for sale

 

 1,849 

 

 

 1,355 

 

 

 1,355 

 

 

 591 

 

 

 580 

 

Loans and leases

 

 1,710,998 

 

 

 1,676,806 

 

 

 1,647,103 

 

 

 1,631,998 

 

 

 1,588,317 

 

 Less allowance for credit losses on loans and leases

 

 (16,865)

 

 

 (17,032)

 

 

 (15,960)

 

 

 (15,915)

 

 

 (16,062)

 

    Loans and leases, net

 

 1,694,133 

 

 

 1,659,774 

 

 

 1,631,143 

 

 

 1,616,083 

 

 

 1,572,255 

 

FHLB and FRB stock

 

 8,482 

 

 

 8,499 

 

 

 8,736 

 

 

 9,203 

 

 

 7,942 

 

Premises and equipment, net

 

 3,812 

 

 

 3,940 

 

 

 4,085 

 

 

 4,118 

 

 

 3,778 

 

Other assets held for sale

 

 -

 

 

 -

 

 

 -

 

 

 1,930 

 

 

 1,930 

 

Operating lease right of use assets

 

 5,221 

 

 

 5,138 

 

 

 5,313 

 

 

 5,500 

 

 

 1,357 

 

Bank owned life insurance

 

 26,266 

 

 

 26,103 

 

 

 25,946 

 

 

 25,791 

 

 

 25,641 

 

Accrued interest receivable and other assets

 

 44,065 

 

 

 44,300 

 

 

 40,605 

 

 

 38,085 

 

 

 39,362 

 

Total assets

$

 2,058,615 

 

$

 1,992,452 

 

$

 1,962,849 

 

$

 1,930,310 

 

$

 1,820,174 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders' Equity

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

    Noninterest bearing

$

 235,916 

 

$

 214,334 

 

$

 216,966 

 

$

 224,096 

 

$

 263,241 

 

    Interest bearing

 

 1,508,141 

 

 

 1,470,659 

 

 

 1,443,117 

 

 

 1,379,745 

 

 

 1,264,681 

 

         Total deposits

 

 1,744,057 

 

 

 1,684,993 

 

 

 1,660,083 

 

 

 1,603,841 

 

 

 1,527,922 

 

FHLB advances and other debt

 

 109,995 

 

 

 109,987 

 

 

 109,978 

 

 

 136,970 

 

 

 109,461 

 

Advances by borrowers for taxes and insurance

 

 2,179 

 

 

 1,737 

 

 

 2,034 

 

 

 2,132 

 

 

 3,513 

 

Operating lease liabilities

 

 5,302 

 

 

 5,216 

 

 

 5,388 

 

 

 5,572 

 

 

 1,438 

 

Accrued interest payable and other liabilities

 

 26,747 

 

 

 24,298 

 

 

 23,084 

 

 

 23,530 

 

 

 23,670 

 

Subordinated debentures

 

 14,961 

 

 

 14,951 

 

 

 14,941 

 

 

 14,932 

 

 

 14,922 

 

         Total liabilities

 

 1,903,241 

 

 

 1,841,182 

 

 

 1,815,508 

 

 

 1,786,977 

 

 

 1,680,926 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Stockholders' equity

 

 155,374 

 

 

 151,270 

 

 

 147,341 

 

 

 143,333 

 

 

 139,248 

 

Total liabilities and stockholders' equity

$

 2,058,615 

 

$

 1,992,452 

 

$

 1,962,849 

 

$

 1,930,310 

 

$

 1,820,174 

 







 

 

 











 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balance Sheet and Yield Analysis

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



For Three Months Ended



December 31, 2023

 

September 30, 2023

 

December 31, 2022



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)

$

 13,412 

 

$

 129 

 

 

 3.14% 

 

$

 13,802 

 

$

 101 

 

 

 2.40% 

 

$

 16,178 

 

$

 217 

 

 

 4.75% 

Loans and leases and loans held for sale (3)

 

 1,682,498 

 

 

 26,240 

 

 

 6.24% 

 

 

 1,642,029 

 

 

 25,121 

 

 

 6.12% 

 

 

 1,522,529 

 

 

 19,971 

 

 

 5.25% 

Other earning assets

 

 222,764 

 

 

 3,176 

 

 

 5.70% 

 

 

 197,434 

 

 

 2,778 

 

 

 5.63% 

 

 

 161,904 

 

 

 1,603 

 

 

 3.96% 

FHLB and FRB stock

 

 8,496 

 

 

 167 

 

 

 7.86% 

 

 

 8,568 

 

 

 166 

 

 

 7.75% 

 

 

 7,810 

 

 

 110 

 

 

 5.63% 

Total interest-earning assets

 

 1,927,170 

 

 

 29,712 

 

 

 6.16% 

 

 

 1,861,833 

 

 

 28,166 

 

 

 6.04% 

 

 

 1,708,421 

 

 

 21,901 

 

 

 5.12% 

Noninterest-earning assets

 

 96,301 

 

 

 

 

 

 

 

 

 95,186 

 

 

 

 

 

 

 

 

 86,974 

 

 

 

 

 

 

Total assets

$

 2,023,471 

 

 

 

 

 

 

 

$

 1,957,019 

 

 

 

 

 

 

 

$

 1,795,395 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 1,475,357 

 

 

 16,863 

 

 

 4.57% 

 

$

 1,430,568 

 

 

 15,421 

 

 

 4.31% 

 

$

 1,260,255 

 

 

 7,775 

 

 

 2.47% 

FHLB advances and other borrowings

 

 124,948 

 

 

 1,095 

 

 

 3.51% 

 

 

 124,930 

 

 

 1,078 

 

 

 3.45% 

 

 

 118,083 

 

 

 971 

 

 

 3.29% 

Total interest-bearing liabilities

 

 1,600,305 

 

 

 17,958 

 

 

 4.49% 

 

 

 1,555,498 

 

 

 16,499 

 

 

 4.24% 

 

 

 1,378,338 

 

 

 8,746 

 

 

 2.54% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing liabilities

 

 269,442 

 

 

 

 

 

 

 

 

 251,509 

 

 

 

 

 

 

 

 

 279,212 

 

 

 

 

 

 

Total liabilities

 

 1,869,747 

 

 

 

 

 

 

 

 

 1,807,007 

 

 

 

 

 

 

 

 

 1,657,550 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity

 

 153,724 

 

 

 

 

 

 

 

 

 150,012 

 

 

 

 

 

 

 

 

 137,845 

 

 

 

 

 

 

Total liabilities and equity

$

 2,023,471 

 

 

 

 

 

 

 

$

 1,957,019 

 

 

 

 

 

 

 

$

 1,795,395 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest-earning assets

$

 326,865 

 

 

 

 

 

 

 

$

 306,335 

 

 

 

 

 

 

 

$

 330,083 

 

 

 

 

 

 

Net interest income/interest rate spread

 

 

 

$

 11,754 

 

 

 1.67% 

 

 

 

 

$

 11,667 

 

 

 1.80% 

 

 

 

 

$

 13,155 

 

 

 2.58% 

Net interest margin

 

 

 

 

 

 

 

 2.44% 

 

 

 

 

 

 

 

 

 2.50% 

 

 

 

 

 

 

 

 

 3.08% 

Average interest-earning assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to average interest-bearing liabilities

 

 120.43% 

 

 

 

 

 

 

 

 

 119.69% 

 

 

 

 

 

 

 

 

 123.95% 

 

 

 

 

 

 







(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 allowance for credit losses on loans and leases and includes nonperforming loans and leases.







 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Financial Highlights

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

At or for the three months ended

 

At or for the year ended

($ in thousands except per share data)

 

Dec 31,

 

Sept 30,

 

Jun 30,

 

Mar 31,

 

Dec 31,

 

 

December 31,

(unaudited)

 

2023

 

2023

 

2023

 

2023

 

2022

 

 

2023

 

 

2022

Earnings and Dividends

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

$

 11,754 

 

$

 11,667 

 

$

 11,486 

 

$

 12,733 

 

$

 13,155 

 

$

 47,640 

 

$

 48,790 

Provision for credit losses

 

$

 875 

 

$

 1,193 

 

$

 12 

 

$

 237 

 

$

 637 

 

$

 2,317 

 

$

 787 

Noninterest income

 

$

 1,033 

 

$

 1,301 

 

$

 978 

 

$

 719 

 

$

 651 

 

$

 4,031 

 

$

 3,210 

Noninterest expense

 

$

 6,745 

 

$

 6,760 

 

$

 7,173 

 

$

 7,691 

 

$

 7,273 

 

$

 28,369 

 

$

 28,621 

Net income

 

$

 4,235 

 

$

 4,031 

 

$

 4,223 

 

$

 4,448 

 

$

 4,671 

 

$

 16,937 

 

$

 18,164 

Basic earnings per common share

 

$

 0.66 

 

$

 0.63 

 

$

 0.66 

 

$

 0.69 

 

$

 0.73 

 

$

 2.64 

 

$

 2.84 

Diluted earnings per common share

 

$

 0.65 

 

$

 0.62 

 

$

 0.66 

 

$

 0.68 

 

$

 0.72 

 

$

 2.63 

 

$

 2.78 

Dividends declared per share

 

$

 0.06 

 

$

 0.06 

 

$

 0.06 

 

$

 0.05 

 

$

 0.05 

 

$

 0.23 

 

$

 0.18 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performance Ratios (annualized)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 

 0.84% 

 

 

 0.82% 

 

 

 0.88% 

 

 

 0.98% 

 

 

 1.04% 

 

 

 0.88% 

 

 

 1.11% 

Return on average equity

 

 

 11.02% 

 

 

 10.75% 

 

 

 11.60% 

 

 

 12.55% 

 

 

 13.55% 

 

 

 11.46% 

 

 

 13.69% 

Average yield on interest-earning assets

 

 

 6.16% 

 

 

 6.04% 

 

 

 5.76% 

 

 

 5.56% 

 

 

 5.12% 

 

 

 5.89% 

 

 

 4.37% 

Average rate paid on interest-bearing liabilities

 

 

 4.49% 

 

 

 4.24% 

 

 

 3.89% 

 

 

 3.24% 

 

 

 2.54% 

 

 

 3.99% 

 

 

 1.55% 

Average interest rate spread

 

 

 1.67% 

 

 

 1.80% 

 

 

 1.87% 

 

 

 2.32% 

 

 

 2.58% 

 

 

 1.90% 

 

 

 2.82% 

Net interest margin, fully taxable equivalent

 

 

 2.44% 

 

 

 2.50% 

 

 

 2.52% 

 

 

 2.93% 

 

 

 3.08% 

 

 

 2.59% 

 

 

 3.15% 

Efficiency ratio

 

 

 52.75% 

 

 

 52.13% 

 

 

 57.55% 

 

 

 57.17% 

 

 

 52.68% 

 

 

 54.90% 

 

 

 55.04% 

Noninterest expense to average assets

 

 

 1.33% 

 

 

 1.38% 

 

 

 1.50% 

 

 

 1.69% 

 

 

 1.62% 

 

 

 1.47% 

 

 

 1.76% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital leverage ratio (1)

 

 

 9.76% 

 

 

 9.83% 

 

 

 9.82% 

 

 

 10.02% 

 

 

 9.89% 

 

 

 9.76% 

 

 

 9.89% 

Total risk-based capital ratio (1)

 

 

 13.30% 

 

 

 13.36% 

 

 

 13.24% 

 

 

 12.93% 

 

 

 12.74% 

 

 

 13.30% 

 

 

 12.74% 

Tier 1 risk-based capital ratio (1)

 

 

 12.17% 

 

 

 12.22% 

 

 

 12.15% 

 

 

 11.84% 

 

 

 11.65% 

 

 

 12.17% 

 

 

 11.65% 

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

 

 

 12.17% 

 

 

 12.22% 

 

 

 12.15% 

 

 

 11.84% 

 

 

 11.65% 

 

 

 12.17% 

 

 

 11.65% 

Equity to total assets at end of period

 

 

 7.55% 

 

 

 7.59% 

 

 

 7.51% 

 

 

 7.43% 

 

 

 7.65% 

 

 

 7.55% 

 

 

 7.65% 

Book value per common share

 

$

 23.74 

 

$

 23.10 

 

$

 22.49 

 

$

 21.88 

 

$

 21.43 

 

$

 23.74 

 

$

 21.43 

Tangible book value per common share (2)

 

$

 23.74 

 

$

 23.10 

 

$

 22.49 

 

$

 21.88 

 

$

 21.43 

 

$

 23.74 

 

$

 21.43 

Period-end market value per common share

 

$

 19.50 

 

$

 16.75 

 

$

 15.00 

 

$

 19.50 

 

$

 21.18 

 

$

 19.50 

 

$

 21.18 

Period-end common shares outstanding

 

 

 6,545,560 

 

 

 6,549,609 

 

 

 6,550,950 

 

 

 6,549,991 

 

 

 6,496,824 

 

 

 6,545,560 

 

 

 6,496,824 

Average basic common shares outstanding

 

 

 6,433,568 

 

 

 6,429,198 

 

 

 6,418,305 

 

 

 6,402,856 

 

 

 6,363,552 

 

 

 6,421,088 

 

 

 6,397,053 

Average diluted common shares outstanding

 

 

 6,469,862 

 

 

 6,456,575 

 

 

 6,433,623 

 

 

 6,542,698 

 

 

 6,491,820 

 

 

 6,447,447 

 

 

 6,535,160 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Asset Quality

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming loans

 

$

 5,722 

 

$

 4,594 

 

$

 799 

 

$

 718 

 

$

 761 

 

$

 5,722 

 

$

 761 

Nonperforming loans to total loans

 

 

 0.33% 

 

 

 0.27% 

 

 

 0.05% 

 

 

 0.04% 

 

 

 0.05% 

 

 

 0.33% 

 

 

 0.05% 

Nonperforming assets to total assets

 

 

 0.28% 

 

 

 0.23% 

 

 

 0.04% 

 

 

 0.04% 

 

 

 0.04% 

 

 

 0.28% 

 

 

 0.04% 

Allowance for credit losses on loans and leases to total loans and leases

 

 

 0.99% 

 

 

 1.02% 

 

 

 0.97% 

 

 

 0.98% 

 

 

 1.01% 

 

 

 0.99% 

 

 

 1.01% 

Allowance for credit losses on loans and leases to nonperforming loans and leases

 

 

 294.74% 

 

 

 370.74% 

 

 

 1997.50% 

 

 

 2216.57% 

 

 

 2110.64% 

 

 

 294.74% 

 

 

 2110.64% 

Net charge-offs (recoveries)

 

$

 623 

 

$

 126 

 

$

 (108)

 

$

 5 

 

$

 262 

 

$

 646 

 

$

 233 

Annualized net charge-offs (recoveries) to average loans

 

 

 0.15% 

 

 

 0.03% 

 

 

 (0.03%)

 

 

 0.00% 

 

 

 0.07% 

 

 

 0.04% 

 

 

 0.02% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

 1,699,323 

 

$

 1,657,303 

 

$

 1,642,961 

 

$

 1,603,237 

 

$

 1,537,941 

 

$

 1,650,987 

 

$

 1,394,838 

Assets

 

$

 2,023,471 

 

$

 1,957,019 

 

$

 1,909,354 

 

$

 1,824,343 

 

$

 1,795,395 

 

$

 1,929,169 

 

$

 1,629,191 

Stockholders' equity

 

$

 153,724 

 

$

 150,012 

 

$

 145,569 

 

$

 141,792 

 

$

 137,845 

 

$

 147,812 

 

$

 132,642 



(1)

Regulatory capital ratios of CFBank

(2)

There are no differences between book value per common share and tangible book value per common share since the Company does not have any intangible assets.





 

 

GAAP TO NON-GAAP RECONCILIATION



This press release contains certain non-GAAP disclosures for: (1) Tangible book value per common share,  (2) PPNR, (3) PPNR return on average assets and (4) PPNR 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.  In particular, the use of PPNR is prevalent among banking regulators, investors, and analysts.  Accordingly, we disclose the non-GAAP measures in addition to the related GAAP measures of: (1) book value per common share  (2) net earnings (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:











 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pre-provision, pre-tax net revenue ("PPNR"),

 

 

 

 

 

 

 

 

 

 

 

PPNR Return on Average Assets and PPNR Return on Average Equity

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



Three Months Ended

 

Year ended



December 31,

 

September 30,

 

December 31,

 

December 31,



2023

 

2023

 

2022

 

2023

 

2022

Net income

$

 4,235 

 

$

 4,031 

 

$

 4,671 

 

$

 16,937 

 

$

 18,164 

Add: Provision for credit losses

 

 875 

 

 

 1,193 

 

 

 637 

 

 

 2,317 

 

 

 787 

Add: Income tax expense

 

 932 

 

 

 984 

 

 

 1,225 

 

 

 4,048 

 

 

 4,428 

Pre-provision, pre-tax net revenue

$

 6,042 

 

$

 6,208 

 

$

 6,533 

 

$

 23,302 

 

$

 23,379 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Assets

$

 2,023,471 

 

$

 1,957,019 

 

$

 1,795,395 

 

$

 1,929,169 

 

$

 1,629,191 

Average Stockholders' Equity

$

 153,724 

 

$

 150,012 

 

$

 137,845 

 

$

 147,812 

 

$

 132,642 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (1)

 

 0.84% 

 

 

 0.82% 

 

 

 1.04% 

 

 

 0.88% 

 

 

 1.11% 

PPNR return on average assets (2)

 

 1.19% 

 

 

 1.27% 

 

 

 1.46% 

 

 

 1.21% 

 

 

 1.44% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average equity (3)

 

 11.02% 

 

 

 10.75% 

 

 

 13.55% 

 

 

 11.46% 

 

 

 13.69% 

PPNR return on average equity (4)

 

 15.72% 

 

 

 16.55% 

 

 

 18.96% 

 

 

 15.76% 

 

 

 17.63% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1) Annualized net income divided by average assets

 

 

 

 

 

 

 

 

(2) Annualized PPNR divided by average assets

 

 

 

 

 

 

 

 

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

 

 

 

 

 

 

 

 

(4) Annualized PPNR divided by average stockholders' equity

 

 

 

 

 

 

 

 





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Document And Entity Information
Feb. 07, 2024
Document And Entity Information [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Feb. 07, 2024
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 4960 E. Dublin Granville Road, Suite #400
Entity Address, City or Town Columbus
Entity Address, State or Province OH
Entity Address, Postal Zip Code 43081
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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