0000950170-23-056217.txt : 20231030 0000950170-23-056217.hdr.sgml : 20231030 20231030130010 ACCESSION NUMBER: 0000950170-23-056217 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20231030 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231030 DATE AS OF CHANGE: 20231030 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CFSB Bancorp, Inc. /MA/ CENTRAL INDEX KEY: 0001879103 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 STATE OF INCORPORATION: MA FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-41220 FILM NUMBER: 231359064 BUSINESS ADDRESS: STREET 1: 15 BEACH STREET CITY: QUINCY STATE: MA ZIP: 02170 BUSINESS PHONE: (617) 471-0750 MAIL ADDRESS: STREET 1: 15 BEACH STREET CITY: QUINCY STATE: MA ZIP: 02170 8-K 1 cfsb-20231025.htm 8-K 8-K
0001879103falseCFSB Bancorp, Inc. /MA/MA00018791032023-10-252023-10-25

 

 

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): October 30, 2023

CFSB Bancorp, Inc.

(Exact name of Registrant as Specified in Its Charter)

United States of America

001-41220

87-4396534

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

 

 

 

15 Beach Street,

Quincy, Massachusetts

02170

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: (617) 471-0750

Not Applicable

(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, par value $0.01 per share

 

CFSB

 

The NASDAQ Stock Market LLC

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 Operation and Financial Condition

 

On October 30, 2023, CFSB Bancorp, Inc., the holding company for Colonial Federal Savings Bank, issued a press release reporting its financial results for the three months ended September 30, 2023.

 

A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

 

Item 9.01 Financial Statements and Exhibits

 

(d)
Exhibits.

 

Exhibit No. Description

 

99.1 Earnings Release dated October 25, 2023

 

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

 

1

 

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 thereunto duly authorized.

 

CFSB BANCORP, INC.

Date: October 30, 2023

By:

/s/ Susan Shea

Susan Shea

Treasurer & Chief Operating Officer

 

2

 EX-99.1 2 cfsb-ex99_1.htm EX-99.1 EX-99.1

img262294579_0.jpg 

Exhibit 99.1

News Release -

For Immediate Release

October 30, 2023

For More Information, Contact:

Michael E. McFarland, President and Chief

Executive Officer (617-471-0750)

 

CFSB BANCORP, INC. ANNOUNCES FISCAL FIRST QUARTER 2024 FINANCIAL RESULTS

 

QUINCY, Massachusetts, October 30, 2023 – CFSB Bancorp, Inc. (the “Company”) (NASDAQ Capital Market: CFSB), the holding company for Colonial Federal Savings Bank (the “Bank”), today announced net income of $123,000, or $0.02 per basic and diluted share, for the three months ended September 30, 2023 compared to net income of $105,000, or $0.02 per basic and diluted share, for the three months ended June 30, 2023 and net income of $645,000, or $0.10 per basic and diluted share for the three months ended September 30, 2022.

Michael E. McFarland, President and Chief Executive Officer, stated “We continue to navigate the high interest rate environment by remaining disciplined with our pricing and expense management. We remain optimistic that the economy will avoid recession in the near term and we are positioned to benefit from a decline in interest rates.”

First Quarter Operating Results

Net interest income, on a fully tax-equivalent basis decreased by $83,000, or 4.3%, to $1.8 million for the three months ended September 30, 2023 from $1.9 million for the three months ended June 30, 2023. This decrease was primarily due to a 41 basis point increase in the average rate paid on certificates of deposit and a 39 basis point increase in the average rate paid on FHLB advances, partially offset by a 9 basis point increase in the average yield earned on securities. The interest earned on loans increased $3,000, for the three months ended September 30, 2023 compared to the three months ended June 30, 2023. The interest earned on loans benefited from rising interest rates, partially offset by a $1.8 million decrease in the average balance of loans to $176.7 million during the three months ended September 30, 2023. The net interest margin decreased by 9 basis points to 2.22% for the three months ended September 30, 2023 from 2.31% for the three months ended June 30, 2023.

Net interest income, on a fully tax-equivalent basis decreased by $560,000, or 23.4%, to $1.8 million for the three months ended September 30, 2023, from $2.4 million for the three months ended September 30, 2022. The net interest margin decreased by 54 basis points to 2.22% for the three months ended September 30, 2023 from 2.76% for the three months ended September 30, 2022. The decline was primarily due to a 223 basis point increase in the average rate paid for certificates of deposit, partially offset by a $20.8 million decrease in the average balance of interest-bearing deposits and a 31 basis point increase in the average yield earned for interest-earning assets. The interest earned on loans increased $103,000, to $1.7 million for the three months ended September 30, 2023, from $1.6 million for the three months ended September 30, 2022. The interest earned on loans benefited from rising interest rates and a $30,000 increase in the average balance of loans during the three months ended September 30, 2023.

The Company recorded a reversal of credit losses of $166,000 for the three months ended September 30, 2023. The reversal for credit losses was recorded due to improved forecasted economic conditions. The Company did not record a provision for loan losses during the three months ended June 30, 2023 or September 30, 2022. The allowance for credit losses as a percentage of total loans was 0.94%, 0.98% and 0.99% at September 30, 2023, June 30, 2023 and September 30, 2022, respectively.

Non-interest income decreased $4,000, or 2.4%, to $160,000 for the quarter ended September 30, 2023 from $164,000 for the quarter ended June 30, 2023, due to a decrease of $7,000 in other income.

Non-interest income decreased $40,000, or 20.0%, to $160,000 for the three months ended September 30, 2023, from $200,000 for the three months ended September 30, 2022, principally due to a decrease of $45,000 in safe deposit box income.

Non-interest expenses decreased $17,000, or 0.9%, to $1.9 million for the quarter ended September 30, 2023 from $1.9 million for the quarter ended June 30, 2023. The decrease was due to a decrease in occupancy and equipment expense of $20,000, or 7.3%, primarily attributed to declines in service contract expenses.

____________________________________________________________________________________________________________

15 Beach Street, Quincy, MA 02170 | 617.471.0750 | colonialfed.com

1

 

 

Non-interest expenses increased $168,000, or 9.6%, to $1.9 million for the quarter ended September 30, 2023 from $1.7 million for the quarter ended September 30, 2022. The increase was principally due to an increase in salaries and employee benefits of $126,000, or 12.4%, attributed to an increase in headcount and stock-based compensation expense, due to increases in other general and administrative expenses of $25,000, or 7.5%, attributed to stock-based compensation for the board of directors, and due to increases in occupancy and equipment expenses of $11,000, or 4.5%, attributed to increases in service contract expenses.

Income tax expense was $93,000 for the three months ended September 30, 2023, compared to $19,000 for the three months ended June 30, 2023 and $170,000 for the three months ended September 30, 2022. The increase in income tax expense for the three months ended September 30, 2023, compared to the three months ended June 30, 2023 was due to increases in income before income taxes. The decrease in income tax expense for the three months ended September 30, 2023, compared to the three months ended September 30, 2022 was due to decreases in income before income taxes.

 

Balance Sheet

At September 30, 2023, total assets amounted to $346.2 million, compared to $349.0 million at June 30, 2023, a decrease of $2.8 million, or 0.8%, due to a $1.8 million decrease in net loans, a $743,000 decrease in cash and cash equivalents and a $365,000 decrease in securities held to maturity. The decrease in net loans was due to decreased loan demand in the higher interest rate environment and accelerated prepayment speeds during the quarter ended September 30, 2023. Deposits decreased by $2.7 million, or 1.0%, in the quarter, as the Bank experienced decreases of customer deposits with the absence of government stimulus and increases in inflation and competition. In addition, the Bank experienced mix-shift changes by depositors to higher-yielding term certificates due to the higher interest rate environment. Federal Home Loan Bank of Boston advances were $3.3 million at September 30, 2023 to add liquidity in light of the decreases in customer deposits.

 

Total stockholders’ equity increased $8,000 to $75.9 million at September 30, 2023 compared to $75.9 million at June 30, 2023. This increase reflects net income of $123,000, earned ESOP compensation of $18,000, and stock-based award expense of $90,000, partially offset by the cumulative effect of the adoption of ASU 2016-13 Financial Instruments - Credit Losses (Topic 326), net of tax, of $223,000.

Total assets at September 30, 2023 decreased $14.7 million, or 4.1%, from $360.9 million at September 30, 2022. Contributing to the decrease in assets was a decrease of $9.6 million in cash and cash equivalents to $6.1 million at September 30, 2023 from $15.7 million at September 30, 2022, a decline of $4.6 million in securities held to maturity and a decline of $1.2 million in net loans. Total deposits decreased by $19.4 million, or 6.9%, to $260.7 million at September 30, 2023 from $280.1 million at September 30, 2022, principally due to decreases in customer deposits with the absence of government stimulus, increases in inflation and competition, in addition to mix-shift changes by depositors to higher-yielding term certificates in the higher interest rate environment. Federal Home Loan Bank of Boston advances were $3.3 million at September 30, 2023 to add liquidity in light of the decreases in customer deposits.

Total stockholders’ equity was $75.9 million at September 30, 2023 compared to $74.9 million at September 30, 2022. The increase of $980,000 was due to net income earned during the previous twelve months of $924,000, earned ESOP compensation of $82,000 and stock-based award expense of $199,000, partially offset by the cumulative effect of the adoption of ASU 2016-13, net of tax, of $223,000.

 

On July 1, 2023, the Company adopted ASU 2016-13, which replaces the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss methodology ("CECL"). The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loans receivable and securities held to maturity. In addition, ASU 326 made changes to the accounting of securities available for sale. It also applies to off-balance sheet credit exposures not accounted for as insurance, such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments. The following table illustrates the impact of ASC 326:

 

 

 

Pre-ASC Adoption

 

 

As Reported Under ASC 326

 

 

 

 

(In thousands)

 

June 30, 2023

 

 

July 1, 2023

 

 

Impact of ASC 326 Adoption

 

Assets

 

 

 

 

 

 

 

 

 

Allowance for credit losses on securities held to maturity

 

$

-

 

 

$

(276

)

 

$

(276

)

Allowance for credit losses on loans

 

 

(1,747

)

 

 

(1,759

)

 

 

(12

)

Deferred tax asset on allowance for credit losses

 

 

466

 

 

 

378

 

 

 

(88

)

 

 

 

 

 

 

 

 

 

 

Liabilities

 

 

 

 

 

 

 

 

 

Allowance for credit losses on off-balance sheet exposures

 

$

-

 

 

$

23

 

 

$

23

 

 

 

 

 

 

 

 

 

 

 

Shareholders' Equity

 

 

 

 

 

 

 

 

 

Retained earnings

 

$

50,416

 

 

$

50,193

 

 

$

(223

)

 

 

____________________________________________________________________________________________________________

15 Beach Street, Quincy, MA 02170 | 617.471.0750 | colonialfed.com

2

 

 

About CFSB Bancorp, Inc.

CFSB Bancorp, Inc. is a federal corporation organized as the mid-tier holding company of Colonial Federal Savings Bank and is the majority-owned subsidiary of 15 Beach, MHC. Colonial Federal Savings Bank is a federally chartered stock savings bank that has served the banking needs of its customers on the south shore of Massachusetts since 1889. It operates from three full-service offices and one limited-service office in Quincy, Holbrook and Weymouth, Massachusetts.

Forward Looking Statements

This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “assume,” “plan,” “seek,” “expect,” “will,” “may,” “should,” “indicate,” “would,” “contemplate,” “continue,” “target” and words of similar meaning. These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Certain factors that could cause actual results to differ materially from expected results include increased competitive pressures, demand for loan products, deposit flows, changes in the interest rate environment, the effects of inflation, potential recessionary conditions, general economic conditions or conditions within the securities markets, monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Board of Governors of the FRB, changes in the quality, size and composition of our loan and securities portfolios, changes in liquidity, including the size and composition of our deposit portfolio, including the percentage of uninsured deposits in the portfolio; changes in demand for our products and services, legislative, accounting, tax and regulatory changes, the current or anticipated impact of military conflict, terrorism or other geopolitical events, a failure in or breach of our operational or security systems or infrastructure, including cyberattacks that could adversely affect the Company’s financial condition and results of operations and the business in which the Company and the Bank are engaged, the failure to maintain current technologies and the failure to retain or attract employees.

You should not place undue reliance on forward-looking statements. CFSB Bancorp, Inc. undertakes no obligation to revise these forward-looking statements or to reflect events or circumstances after the date of this press release.

 

____________________________________________________________________________________________________________

15 Beach Street, Quincy, MA 02170 | 617.471.0750 | colonialfed.com

3

 

 

CFSB Bancorp, Inc. and Subsidiary

Consolidated Balance Sheets (Unaudited)

(In thousands, except per share data)

 

 

 

 

 

 

 

 

 

 

 

% Change

 

 

 

September 30,

 

 

June 30,

 

 

September 30,

 

 

Sep 2023 vs.

 

 

Sep 2023 vs.

 

 

 

2023

 

 

2023

 

 

2022

 

 

Jun 2023

 

 

Sep 2022

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

1,394

 

 

$

1,486

 

 

$

1,481

 

 

 

(6.2

)%

 

 

(5.9

)%

Short-term investments

 

 

4,724

 

 

 

5,375

 

 

 

14,260

 

 

 

(12.1

)%

 

 

(66.9

)%

Total cash and cash equivalents

 

 

6,118

 

 

 

6,861

 

 

 

15,741

 

 

 

(10.8

)%

 

 

(61.1

)%

Securities available for sale, at fair value

 

 

139

 

 

 

146

 

 

 

183

 

 

 

(4.8

)%

 

 

(24.0

)%

Securities held to maturity, at amortized cost, net of allowance for credit losses

 

 

147,537

 

 

 

147,902

 

 

 

152,141

 

 

 

(0.2

)%

 

 

(3.0

)%

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family

 

 

137,743

 

 

 

140,109

 

 

 

143,417

 

 

 

(1.7

)%

 

 

(4.0

)%

Multifamily

 

 

12,883

 

 

 

12,638

 

 

 

13,055

 

 

 

1.9

%

 

 

(1.3

)%

Second mortgages and home equity lines of credit

 

 

3,129

 

 

 

2,699

 

 

 

2,514

 

 

 

15.9

%

 

 

24.5

%

Construction

 

 

-

 

 

 

-

 

 

 

415

 

 

 

-

%

 

 

(100.0

)%

Commercial

 

 

20,110

 

 

 

20,323

 

 

 

15,639

 

 

 

(1.0

)%

 

 

28.6

%

Total mortgage loans on real estate

 

 

173,865

 

 

 

175,769

 

 

 

175,040

 

 

 

(1.1

)%

 

 

(0.7

)%

Consumer

 

 

65

 

 

 

49

 

 

 

71

 

 

 

32.7

%

 

 

(8.5

)%

Home improvement

 

 

2,180

 

 

 

2,191

 

 

 

2,231

 

 

 

(0.5

)%

 

 

(2.3

)%

Total loans

 

 

176,110

 

 

 

178,009

 

 

 

177,342

 

 

 

(1.1

)%

 

 

(0.7

)%

Allowance for credit losses

 

 

(1,649

)

 

 

(1,747

)

 

 

(1,747

)

 

 

(5.6

)%

 

 

(5.6

)%

Net deferred loan costs and fees, and purchase premiums

 

 

(381

)

 

 

(351

)

 

 

(350

)

 

 

8.5

%

 

 

8.9

%

Loans, net

 

 

174,080

 

 

 

175,911

 

 

 

175,245

 

 

 

(1.0

)%

 

 

(0.7

)%

Federal Home Loan Bank of Boston stock, at cost

 

 

405

 

 

 

381

 

 

 

191

 

 

 

6.3

%

 

 

112.0

%

Premises and equipment, net

 

 

3,354

 

 

 

3,413

 

 

 

3,310

 

 

 

(1.7

)%

 

 

1.3

%

Accrued interest receivable

 

 

1,395

 

 

 

1,363

 

 

 

1,306

 

 

 

2.3

%

 

 

6.8

%

Bank-owned life insurance

 

 

10,468

 

 

 

10,402

 

 

 

10,208

 

 

 

0.6

%

 

 

2.5

%

Deferred tax asset

 

 

1,132

 

 

 

1,079

 

 

 

1,139

 

 

 

4.9

%

 

 

(0.6

)%

Operating lease right of use asset

 

 

930

 

 

 

953

 

 

 

1,021

 

 

 

(2.4

)%

 

 

(8.9

)%

Other assets

 

 

663

 

 

 

596

 

 

 

457

 

 

 

11.2

%

 

 

45.1

%

Total assets

 

$

346,221

 

 

$

349,007

 

 

$

360,942

 

 

 

(0.8

)%

 

 

(4.1

)%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders' Equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest bearing NOW and demand

 

$

30,918

 

 

$

32,760

 

 

$

34,148

 

 

 

(5.6

)%

 

 

(9.5

)%

Interest bearing NOW and demand

 

 

30,902

 

 

 

28,778

 

 

 

32,791

 

 

 

7.4

%

 

 

(5.8

)%

Regular and other

 

 

60,389

 

 

 

64,184

 

 

 

74,703

 

 

 

(5.9

)%

 

 

(19.2

)%

Money market accounts

 

 

24,877

 

 

 

26,995

 

 

 

43,349

 

 

 

(7.8

)%

 

 

(42.6

)%

Term certificates

 

 

113,587

 

 

 

110,659

 

 

 

95,061

 

 

 

2.6

%

 

 

19.5

%

Total deposits

 

 

260,673

 

 

 

263,376

 

 

 

280,052

 

 

 

(1.0

)%

 

 

(6.9

)%

Federal Home Loan Bank of Boston advances

 

 

3,250

 

 

 

3,675

 

 

 

-

 

 

 

(11.6

)%

 

 

-

%

Mortgagors' escrow accounts

 

 

1,626

 

 

 

1,596

 

 

 

1,618

 

 

 

1.9

%

 

 

0.5

%

Operating lease liability

 

 

941

 

 

 

962

 

 

 

1,023

 

 

 

(2.2

)%

 

 

(8.0

)%

Accrued expenses and other liabilities

 

 

3,834

 

 

 

3,509

 

 

 

3,332

 

 

 

9.3

%

 

 

15.1

%

Total liabilities

 

 

270,324

 

 

 

273,118

 

 

 

286,025

 

 

 

(1.0

)%

 

 

(5.5

)%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Stockholders' Equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common stock

 

 

65

 

 

 

65

 

 

 

65

 

 

 

0.0

%

 

 

0.0

%

Additional paid-in capital

 

 

27,896

 

 

 

27,814

 

 

 

27,718

 

 

 

0.3

%

 

 

0.6

%

Retained earnings

 

 

50,316

 

 

 

50,416

 

 

 

49,615

 

 

 

(0.2

)%

 

 

1.4

%

Accumulated other comprehensive loss, net of tax

 

 

(3

)

 

 

(3

)

 

 

(1

)

 

 

0.0

%

 

 

200.0

%

Unearned compensation - ESOP

 

 

(2,377

)

 

 

(2,403

)

 

 

(2,480

)

 

 

(1.1

)%

 

 

(4.2

)%

Total stockholders' equity

 

 

75,897

 

 

 

75,889

 

 

 

74,917

 

 

 

0.0

%

 

 

1.3

%

Total liabilities and stockholders' equity

 

$

346,221

 

 

$

349,007

 

 

$

360,942

 

 

 

(0.8

)%

 

 

(4.1

)%

 

____________________________________________________________________________________________________________

15 Beach Street, Quincy, MA 02170 | 617.471.0750 | colonialfed.com

4

 

 

CFSB Bancorp, Inc. and Subsidiary

Consolidated Statements of Net Income (Unaudited)

(In thousands, except per share data)

 

 

For the Three Months Ended

 

 

 

September 30,

 

 

June 30,

 

 

September 30,

 

 

 

2023

 

 

2023

 

 

2022

 

Interest and dividend income:

 

 

 

 

 

 

 

 

 

Interest and fees on loans

 

$

1,722

 

 

$

1,719

 

 

$

1,619

 

Interest and dividends on debt securities:

 

 

 

 

 

 

 

 

 

Taxable

 

 

868

 

 

 

845

 

 

 

751

 

Tax-exempt

 

 

97

 

 

 

99

 

 

 

108

 

Interest on short-term investments and certificates of deposit

 

 

45

 

 

 

38

 

 

 

127

 

Total interest and dividend income

 

 

2,732

 

 

 

2,701

 

 

 

2,605

 

 

 

 

 

 

 

 

 

 

Interest expense:

 

 

 

 

 

 

 

 

 

Deposits

 

 

876

 

 

 

757

 

 

 

242

 

Borrowings

 

 

50

 

 

 

51

 

 

 

-

 

Total interest expense

 

 

926

 

 

 

808

 

 

 

242

 

 

 

 

 

 

 

 

 

 

Net interest income

 

 

1,806

 

 

 

1,893

 

 

 

2,363

 

Provision for (reversal of) credit losses

 

 

(166

)

 

 

-

 

 

 

-

 

Net interest income after provision for (reversal of) credit losses

 

 

1,972

 

 

 

1,893

 

 

 

2,363

 

 

 

 

 

 

 

 

 

 

Non-interest income:

 

 

 

 

 

 

 

 

 

Customer service fees

 

 

40

 

 

 

36

 

 

 

37

 

Income on bank-owned life insurance

 

 

66

 

 

 

67

 

 

 

64

 

Other income

 

 

54

 

 

 

61

 

 

 

99

 

Total non-interest income

 

 

160

 

 

 

164

 

 

 

200

 

 

 

 

 

 

 

 

 

 

 

Non-interest expenses:

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

1,144

 

 

 

1,146

 

 

 

1,018

 

Occupancy and equipment

 

 

254

 

 

 

274

 

 

 

243

 

Advertising

 

 

38

 

 

 

37

 

 

 

39

 

Data processing

 

 

89

 

 

 

82

 

 

 

94

 

Deposit insurance

 

 

33

 

 

 

43

 

 

 

21

 

Other general and administrative

 

 

358

 

 

 

351

 

 

 

333

 

Total non-interest expenses

 

 

1,916

 

 

 

1,933

 

 

 

1,748

 

 

 

 

 

 

 

 

 

 

 

Income before income taxes

 

 

216

 

 

 

124

 

 

 

815

 

Provision for income taxes

 

 

93

 

 

 

19

 

 

 

170

 

Net income

 

$

123

 

 

$

105

 

 

$

645

 

 

 

 

 

 

 

 

 

 

Net income per share:

 

 

 

 

 

 

 

 

 

Basic

 

$

0.02

 

 

$

0.02

 

 

$

0.10

 

Diluted

 

$

0.02

 

 

$

0.02

 

 

$

0.10

 

 

 

 

 

 

 

 

 

 

 

Weighted average shares outstanding:

 

 

 

 

 

 

 

 

 

Basic

 

 

6,282,203

 

 

 

6,279,656

 

 

 

6,271,977

 

Diluted

 

 

6,282,203

 

 

 

6,279,790

 

 

 

6,271,977

 

 

____________________________________________________________________________________________________________

15 Beach Street, Quincy, MA 02170 | 617.471.0750 | colonialfed.com

5

 

 

CFSB Bancorp, Inc. and Subsidiary

Average Balances and Yields, Fully Tax-Equivalent Basis (Unaudited)

(Dollars in thousands)

 

Average Balance and Yields

 

 

Three Months Ended

 

 

September 30, 2023

 

 

June 30, 2023

 

 

September 30, 2022

 

 

Average

 

 

Interest

 

 

Average

 

 

Average

 

 

Interest

 

 

Average

 

 

Average

 

 

Interest

 

 

Average

 

 

Outstanding

 

 

Earned/

 

 

Yield/

 

 

Outstanding

 

 

Earned/

 

 

Yield/

 

 

Outstanding

 

 

Earned/

 

 

Yield/

 

(Dollars in thousands)

Balance

 

 

Paid

 

 

Rate

 

 

Balance

 

 

Paid

 

 

Rate

 

 

Balance

 

 

Paid

 

 

Rate

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

$

176,668

 

 

$

1,722

 

 

 

3.90

%

 

$

178,474

 

 

$

1,719

 

 

 

3.85

%

 

$

176,638

 

 

$

1,619

 

 

 

3.67

%

Securities (1)

 

149,259

 

 

 

991

 

 

 

2.66

%

 

 

150,383

 

 

 

968

 

 

 

2.57

%

 

 

148,774

 

 

 

888

 

 

 

2.39

%

Cash and short-term investments

 

3,852

 

 

 

45

 

 

 

4.67

%

 

 

3,331

 

 

 

38

 

 

 

4.56

%

 

 

21,717

 

 

 

127

 

 

 

2.34

%

Total interest-earning assets

 

329,779

 

 

 

2,758

 

 

 

3.35

%

 

 

332,188

 

 

 

2,725

 

 

 

3.28

%

 

 

347,129

 

 

 

2,634

 

 

 

3.04

%

Noninterest-earning assets

 

16,655

 

 

 

 

 

 

 

 

 

17,118

 

 

 

 

 

 

 

 

 

15,933

 

 

 

 

 

 

 

Total assets

$

346,434

 

 

 

 

 

 

 

 

$

349,306

 

 

 

 

 

 

 

 

$

363,062

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

$

29,912

 

 

$

4

 

 

 

0.05

%

 

$

30,051

 

 

$

4

 

 

 

0.05

%

 

$

33,133

 

 

$

4

 

 

 

0.05

%

Savings deposits

 

62,446

 

 

 

16

 

 

 

0.10

%

 

 

64,996

 

 

 

16

 

 

 

0.10

%

 

 

75,444

 

 

 

19

 

 

 

0.10

%

Money market deposits

 

26,271

 

 

 

17

 

 

 

0.26

%

 

 

28,890

 

 

 

19

 

 

 

0.26

%

 

 

45,493

 

 

 

31

 

 

 

0.27

%

Certificates of deposit

 

111,812

 

 

 

839

 

 

 

3.00

%

 

 

111,041

 

 

 

718

 

 

 

2.59

%

 

 

97,153

 

 

 

188

 

 

 

0.77

%

Total interest-bearing deposits

 

230,441

 

 

 

876

 

 

 

1.52

%

 

 

234,978

 

 

 

757

 

 

 

1.29

%

 

 

251,223

 

 

 

242

 

 

 

0.39

%

FHLB advances

 

3,571

 

 

 

50

 

 

 

5.60

%

 

 

3,916

 

 

 

51

 

 

 

5.21

%

 

 

-

 

 

 

-

 

 

 

0.00

%

Total interest-bearing liabilities

 

234,012

 

 

 

926

 

 

 

1.58

%

 

 

238,894

 

 

 

808

 

 

 

1.35

%

 

 

251,223

 

 

 

242

 

 

 

0.39

%

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Noninterest-bearing demand deposits

 

30,971

 

 

 

 

 

 

 

 

 

28,881

 

 

 

 

 

 

 

 

 

32,522

 

 

 

 

 

 

 

  Other noninterest-bearing liabilities

 

5,740

 

 

 

 

 

 

 

 

 

5,726

 

 

 

 

 

 

 

 

 

3,195

 

 

 

 

 

 

 

Total liabilities

 

270,723

 

 

 

 

 

 

 

 

 

273,501

 

 

 

 

 

 

 

 

 

286,940

 

 

 

 

 

 

 

Total stockholders' equity

 

75,711

 

 

 

 

 

 

 

 

 

75,805

 

 

 

 

 

 

 

 

 

76,122

 

 

 

 

 

 

 

Total liabilities and stockholders' equity

$

346,434

 

 

 

 

 

 

 

 

$

349,306

 

 

 

 

 

 

 

 

$

363,062

 

 

 

 

 

 

 

Net interest income

 

 

 

$

1,832

 

 

 

 

 

 

 

 

$

1,917

 

 

 

 

 

 

 

 

$

2,392

 

 

 

 

Net interest rate spread(2)

 

 

 

 

 

 

 

1.77

%

 

 

 

 

 

 

 

 

1.93

%

 

 

 

 

 

 

 

 

2.65

%

Net interest-earning assets(3)

$

95,767

 

 

 

 

 

 

 

 

$

93,294

 

 

 

 

 

 

 

 

$

95,906

 

 

 

 

 

 

 

Net interest margin(4)

 

 

 

 

 

 

 

2.22

%

 

 

 

 

 

 

 

 

2.31

%

 

 

 

 

 

 

 

 

2.76

%

Cost of deposits(5)

 

 

 

 

 

 

 

1.34

%

 

 

 

 

 

 

 

 

1.15

%

 

 

 

 

 

 

 

 

0.34

%

Cost of funds(6)

 

 

 

 

 

 

 

1.40

%

 

 

 

 

 

 

 

 

1.21

%

 

 

 

 

 

 

 

 

0.34

%

Ratio of interest-earning assets to interest-bearing liabilities

 

140.92

%

 

 

 

 

 

 

 

 

139.05

%

 

 

 

 

 

 

 

 

138.18

%

 

 

 

 

 

 
(1)
Includes tax equivalent adjustments for municipal securities, based on a statutory tax rate of 21%, of $24,000, $22,000, and $28,000 for the three months ended September 30, 2023, June 30, 2023 and September 30, 2022, respectively.
(2)
Net interest rate spread represents the difference between the weighted average yield earned on interest-earning assets and the weighted average rate paid on interest-bearing liabilities.
(3)
Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(4)
Net interest margin represents net interest income divided by average total interest-earning assets.
(5)
Cost of deposits represents the total interest paid on deposits, divided by total interest-bearing deposits plus total noninterest-bearing deposits.
(6)
Cost of funds represents the total interest paid on liabilities, divided by total interest-bearing liabilities plus total noninterest-bearing deposits.

 

____________________________________________________________________________________________________________

15 Beach Street, Quincy, MA 02170 | 617.471.0750 | colonialfed.com

6

 

 

CFSB Bancorp, Inc. and Subsidiary

Reconciliation of Fully Tax-Equivalent Income (Unaudited)

(In thousands)

 

 

For the Three Months Ended

 

 

 

September 30,

 

 

June 30,

 

 

September 30,

 

 

 

2023

 

 

2023

 

 

2022

 

Securities interest income (no tax adjustment)

 

$

965

 

 

$

944

 

 

$

859

 

Tax-equivalent adjustment

 

 

26

 

 

 

22

 

 

 

29

 

Securities (tax-equivalent basis)

 

$

991

 

 

$

966

 

 

$

888

 

Net interest income (no tax adjustment)

 

$

1,806

 

 

$

1,893

 

 

$

2,363

 

Tax-equivalent adjustment

 

 

26

 

 

 

22

 

 

 

29

 

Net interest income (tax-equivalent adjustment)

 

$

1,832

 

 

$

1,915

 

 

$

2,392

 

 

CFSB Bancorp, Inc. and Subsidiary

 

At or for the Three Months Ended

 

Selected Financial Highlights (Unaudited)

 

September 30,

 

 

June 30,

 

 

September 30,

 

(In thousands, except share and per share amounts)

 

2023

 

 

2023

 

 

2022

 

Performance Ratios

 

 

 

 

 

 

 

 

 

Return on average assets (GAAP) (1, 4)

 

 

0.14

%

 

 

0.12

%

 

 

0.71

%

Return on average equity ("ROAE") (GAAP) (1, 5)

 

 

0.65

%

 

 

0.55

%

 

 

3.39

%

Noninterest expense to average assets (GAAP) (1)

 

 

2.21

%

 

 

2.21

%

 

 

1.93

%

Total loans to total deposits

 

 

67.56

%

 

 

67.59

%

 

 

63.32

%

Total loans to total assets

 

 

50.87

%

 

 

51.00

%

 

 

49.13

%

Efficiency ratio (GAAP) (6)

 

 

97.46

%

 

 

93.97

%

 

 

68.20

%

Capital Ratios

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets

 

 

33.28

%

 

 

32.88

%

 

 

34.28

%

Common equity tier 1 capital to risk-weighted assets

 

 

32.32

%

 

 

32.00

%

 

 

33.37

%

Tier 1 capital to risk-weighted assets

 

 

32.32

%

 

 

32.00

%

 

 

33.37

%

Tier 1 capital to average assets (2)

 

 

18.35

%

 

 

18.18

%

 

 

17.69

%

Asset Quality Ratios

 

 

 

 

 

 

 

 

 

Allowance for credit losses on loans as a percentage of total loans (3)

 

 

0.94

%

 

 

0.98

%

 

 

0.99

%

Allowance for credit losses on loans as a percentage of non-performing loans

 

NM

 

 

NM

 

 

NM

 

Net (charge-offs) recoveries to average outstanding loans

 

 

-

%

 

 

-

%

 

 

-

%

Non-performing loans as a percentage of total loans

 

 

-

%

 

 

-

%

 

 

-

%

Non-performing loans as a percentage of total assets

 

 

-

%

 

 

-

%

 

 

-

%

Total non-performing loans as a percentage of total assets

 

 

-

%

 

 

-

%

 

 

-

%

Informational Items

 

 

 

 

 

 

 

 

 

Fair value of held to maturity securities

 

$

128,959

 

 

$

132,273

 

 

$

133,775

 

Book value per share (7)

 

$

11.44

 

 

$

11.44

 

 

$

11.49

 

Outstanding common shares

 

 

6,632,642

 

 

 

6,632,642

 

 

 

6,521,642

 
(1)
Annualized.
(2)
Average assets calculated on a quarterly basis.
(3)
Total loans exclude net deferred loan costs and fees.
(4)
Represents net income divided by average assets.
(5)
Represents net income divided by average stockholders' equity
(6)
Represents total non-interest expenses divided by net interest income and non-interest income.
(7)
Represents total stockholders' equity divided by outstanding shares at period end.

____________________________________________________________________________________________________________

15 Beach Street, Quincy, MA 02170 | 617.471.0750 | colonialfed.com

7

 

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Document and Entity Information
Oct. 25, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 30, 2023
Entity Registrant Name CFSB Bancorp, Inc. /MA/
Entity Incorporation, State or Country Code MA
Securities Act File Number 001-41220
Entity Tax Identification Number 87-4396534
Entity Address, Address Line One 15 Beach Street
Entity Address, City or Town Quincy
Entity Address, State or Province MA
Entity Address, Postal Zip Code 02170
City Area Code 617
Local Phone Number 471-0750
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company true
Entity Ex Transition Period false
Entity Central Index Key 0001879103
Title of 12(b) Security Common Stock, par value $0.01 per share
Trading Symbol CFSB
Security Exchange Name NASDAQ
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