0001070680-23-000005.txt : 20230207 0001070680-23-000005.hdr.sgml : 20230207 20230207090936 ACCESSION NUMBER: 0001070680-23-000005 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230207 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230207 DATE AS OF CHANGE: 20230207 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: 23592980 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-20230207x8k.htm 8-K cfbk-20230207x8k
false000107068000010706802023-02-072023-02-07

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, 2023

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

By:

/s/ Kevin J. Beerman

Kevin J. Beerman

Executive Vice President and Chief Financial Officer

 EX-99.1 2 cfbk-20230207xex99_1.htm EX-99.1 Exhibit 99.1 earnings release 12.31.22

                                                                                                                                                    Exhibit 99.1

Picture 3

Parent of CFBank, NA





 





 



 



PRESS RELEASE

 

FOR IMMEDIATE RELEASE:

February 7, 2023

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 2022.



Columbus, Ohio – February 7, 2023  – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Association (“CFBank”), today announced financial results for the fourth quarter and year to date (YTD) ended December 31, 2022.



Fourth Quarter and Full Year 2022 Highlights

·

Net Income of $4.7 million ($0.72 per share) for Q4 2022 which represents a 10% increase over Q3 2022.  Pre-provision, pre-tax net revenue ("PPNR") of $6.5 million for Q4 2022 was up 20% as compared to Q3 2022.  For the full year 2022, net income was $18.2 million  ($2.78 per share) and PPNR was $23.4 million.

·

Return on Average Assets (ROA) was 1.04% and PPNR ROA was 1.46% for the fourth quarter, while Return on Average Equity (ROE) was 13.55% and PPNR ROE was 18.96%.

·

For the year ended December 31, 2022, ROA was 1.11% and ROE was 13.69%.

·

Book value per share increased to $21.43 at December 31, 2022. 

·

Net loans and leases grew by $98 million during the quarter. Net loans and leases totaled $1.6 billion at December 31, 2022.

·

Credit quality remains strong with nonperforming loans to total loans of 0.05% and loans more than 30 days past due at 0.13% of total loans. 



Recent Developments

·

In February 2023, the Company will be relocating its headquarters to Hamilton Quarter, near New Albany, Ohio. This new location consolidates two (2) existing offices as well as provides significantly increased presence and visibility.  Additionally, we expect increased banking opportunities given its proximity to the Intel growth corridor.  Boutique delivery of Commercial and Personal Banking services will be provided at the new HQ location.

·

On January 4, 2023, the Company’s Board of Directors declared a Cash Dividend of $0.05 per share payable on January 31, 2023 to shareholders of record as of the close of business on January 17, 2023.

 

 

CEO and Board Chair Commentary



Timothy T. O’Dell, President and CEO, commented: “Our Business model with Boutique delivery continues to resonate with Business Owners and Entrepreneurs located in the metro markets we serve. Over the past 12–15 months, we have successfully doubled the size of our Commercial Banking teams, adding experienced Talent mostly coming to us from Regional Banks. The additions of this top Commercial Banking talent has enabled us to continue shifting our business mix toward Commercial and Industrial (“C&I”), capturing quality new full service relationships.

To help offset the pressure on Net Interest Margin (“NIM”) from rising Deposit costs, we are leaning more heavily into SBA loans and other higher yielding earning assets. In addition, we have a number of initiatives underway during 2023 to expand Fee Income revenues, including Swap fee income, along with introducing new Cash Management products and services along with a new and competitive Business Credit Card Program.

We are protecting as well as expanding our core Deposit base, having particular success with increasing our Deposits from not for profits and local Municipalities.

Our Credit Quality remains pristine, as we have maintained our disciplines and focus on high quality customers and borrowers.

We expect our new HQ location, which combines two (2) existing Columbus area locations, will enhance both efficiency and   Teamwork.

Our previous long experiences operating in volatile rate environments, prepared us to remain nimble while sticking to our proven business disciplines. We see much opportunity to add quality new business relationships in this new year.

Our Best is yet Ahead!”

Robert E. Hoeweler, Chairman of the Board, added: "Our Bank and Team have proven our ability to maintain strong performance during both changing and varying economic backdrops. Recently, we successfully navigated Covid and the residential mortgage industry contraction. Currently, the industry is challenged by rapidly rising interest rates. We are well experienced and confident our Leadership is up to the challenge."



Overview of Results 

Net income for the three months ended December  31, 2022 totaled $4.7 million (or $0.72 per diluted common share) compared to net income of $4.2 million (or $0.65 per diluted common share) for the three months ended September 30, 2022 and net income of $4.5 million (or $0.68 per diluted common share) for the three months ended December  31, 2021.  Pre-provision, pre-tax net revenue (“PPNR”) for the three months ended December 31, 2022 was $6.5 million compared to PPNR of $5.4 million for the three months ended September 30, 2022 and $5.6 million for the three months ended December 31, 2021.

Net income for the year ended December 31, 2022 totaled $18.2 million (or $2.78 per diluted common share) compared to net income of $18.5 million (or $2.77 per diluted common share) for the year ended December 31, 2021.  PPNR was $23.4 million for the year ended December 31, 2022 compared to $21.2 million for the year ended December 31, 2021.

Net Interest Income and Net Interest Margin

Net interest income totaled $13.2 million for the quarter ended December 31, 2022 and decreased $161,000, or 1.2%, compared to $13.3 million in the prior quarter, and increased $2.2 million, or 19.9%, compared to $11.0 million in the fourth quarter of 2021. 

The decrease in net interest income compared to the prior quarter was primarily due to a $4.1 million, or 86.5%, increase in interest expense, partially offset by a $3.9 million, or 21.6%, increase in interest income. The increase in interest expense when compared to the prior quarter was attributed to a 104bps increase in the average cost of funds on interest-bearing liabilities, coupled with a $130.3 million, or 10.4%, increase in average interest-bearing liabilities.    The increase in interest income was primarily attributed to a $124.6 million, or 7.9%, increase in average interest-earning assets outstanding,  coupled with a  58bps increase in average yield on interest-earning assets.    The net interest margin of 3.08% for the quarter ended December 31, 2022 decreased 28bps compared to the net interest margin of 3.36% for the prior quarter.

 

 

The increase in net interest income compared to the fourth quarter of 2021 was primarily due to an $8.8 million, or 66.8%, increase in interest income, partially offset by a $6.6 million, or 305.3%, increase in interest expense. The increase in interest income was primarily attributed to a $402.6 million, or 30.8%, increase in average interest-earning assets outstanding, coupled with a 110bps increase in the average yield on interest-earning assets.  The increase in interest expense was attributed to a $394.1 million, or 40.0%, increase in average interest-bearing liabilities, coupled with a 166bps increase in the average cost of funds on interest-bearing liabilities.  The net interest margin of 3.08% for the quarter ended December 31, 2022 decreased 28bps compared to the net interest margin of 3.36% for the fourth quarter of 2021.

Noninterest Income

Noninterest income for the quarter ended December 31, 2022 totaled $651,000 and decreased $54,000, or 7.7%, compared to $705,000 for the prior quarter.  The decrease was primarily due to a $173,000 loss on redemption of life insurance, partially offset by a $124,000 increase in swap fee income. 

Noninterest income for the quarter ended December 31, 2022 decreased $731,000, or 52.9%, compared to $1.4 million for the quarter ended December 31, 2021.  The decrease was primarily due to a $590,000 decrease in net gain on sales of residential mortgage loans, a $209,000 decrease in net gain on sales of commercial loans, and a $173,000 loss on redemption of life insurance, partially offset by a $136,000 increase in Swap fee income.

During the second quarter 2022, we exited the DTC mortgage originations business in favor of lending in our Regional markets. The following table represents the notional amount of loans sold during the three months ended December 31, 2022, September 30, 2022, and December 31, 2021.









 

 

 

 

 

 

 

 



Three Months ended



December 31, 2022

 

September 30, 2022

 

December 31, 2021

Notional amount of loans sold

$

 2,717 

 

$

 -

 

$

 130,407 



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









 

 

 

 

 

 

 

 



Three Months ended



December 31, 2022

 

September 30, 2022

 

December 31, 2021

Gain (loss) on loans sold

$

 (22)

 

$

 -

 

$

 1,025 

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

 

 -

 

 

 -

 

 

 (567)

Gain (loss) from change in fair value of derivatives

 

 -

 

 

 -

 

 

 110 



$

 (22)

 

$

 -

 

$

 568 



Noninterest Expense

Noninterest expense for the quarter ended December 31, 2022 totaled $7.3 million and decreased $1.3 million, or 15.4%, compared to $8.6 million for the prior quarter.  The decrease in noninterest expense was primarily due to a $570,000 decrease in impairment of property and equipment, a $494,000 decrease in data processing expense and a $298,000 decrease in salaries and employee benefits.  The decrease in impairment of property and equipment was related to an impairment booked in the third quarter 2022 for the pending sale of our headquarters building in Worthington as we prepared to move our headquarters office to New Albany, Ohio. The decrease in data processing expense was primarily related one-time charges for the conversion of our core processing system during the third quarter of 2022. 

Noninterest expense for the quarter ended December 31, 2022 increased $477,000, or 7.0%, compared to $6.8 million for the quarter ended December 31, 2021.  The increase in noninterest expense was primarily due to a $297,000 increase in FDIC premiums and a $276,000 increase in salaries and employee benefits. The increase in FDIC expense was related to increased assets and deposit levels and assessment rates.  

 

 

Income Tax Expense

Income tax expense was $1.2 million for the quarter ended December 31, 2022 (effective tax rate of 20.8%), compared to $1.0 million for the prior quarter (effective tax rate of 19.4%) and $1.1 million for the quarter ended December 31, 2021 (effective tax rate of 19.6%).

Loans and Loans Held For Sale

Net loans and leases totaled $1.6 billion at December 31, 2022 and increased $98.4 million, or 6.7%, from the prior quarter and increased $358.1 million, or 29.5%, from December 31, 2021. The increase in net loans during the quarter was primarily due to a  $54.2 million increase in construction loan balances, a $25.5 million increase in single-family residential loan balances, a $12.3 million increase in commercial loan balances, and a $6.5 million increase in multi-family loan balances. The increases in the aforementioned loan balances were related to increased sales activity and new relationships.

The increase in net loans from December 31, 2021 was primarily due to a  $118.3 million increase in single-family residential loan balances, a $100.8 million increase in construction loan balances, a  $90.5 million increase in commercial loan balances, a $27.4 million increase in multi-family loan balances, a $15.5 million increase in commercial real estate loan balances, and a $6.5 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, 2022

 

September 30, 2022

June 30, 2022

Construction - 1-4 family*

$

 60,791 

 

$

 56,397 

$

 42,281 

Construction - Multi-family*

 

 87,460 

 

 

 79,714 

 

 56,071 

Construction - Non-residential*

 

 54,221 

 

 

 40,744 

 

 30,220 

Hotel/Motel

 

 9,762 

 

 

 16,976 

 

 17,023 

Industrial / Warehouse

 

 18,506 

 

 

 23,658 

 

 26,362 

Land/Land Development

 

 23,877 

 

 

 20,996 

 

 27,895 

Medical/Healthcare/Senior Housing

 

 469 

 

 

 495 

 

 3,253 

Multi-family

 

 111,210 

 

 

 82,939 

 

 84,580 

Office

 

 44,686 

 

 

 45,070 

 

 40,526 

Retail

 

 24,781 

 

 

 25,029 

 

 26,631 

Other

$

 49,897 

 

$

 51,655 

$

 61,089 



*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 $761,000, or 0.05%, of total loans at December 31, 2022, a decrease of $243,000 from nonaccrual loans at September  30, 2022 and a decrease of $236,000 from nonaccrual loans at December 31, 2021.  Loans past due more than 30 days totaled $2.1 million at December 31, 2022 compared to $1.3 million at September  30, 2022 and $3.6 million at December 31, 2021.

The allowance for loan and lease losses (ALLL) totaled $16.1 million at December 31, 2022 compared to $15.7 million at September  30, 2022 and $15.5 million at December 31, 2021.  The ratio of the ALLL to total loans was 1.01% at December 31, 2022 compared to 1.05% at September  30, 2022 and 1.26% at December 31, 2021.

There was $637,000 in provision for loan and lease losses expense for the quarter ended December 31, 2022.  There was $150,000 in provision for loan and lease losses expense for the quarter ended September 30, 2022 and no provision for loan and lease losses expense for the quarter ended December 31, 2021. Net charge-offs for the quarter ended December 31, 2022 totaled $262,000 compared to net recoveries of $5,000 for the prior quarter and net recoveries of $21,000 for the quarter ended December 31, 2021.

 

 

Deposits

Deposits totaled $1.5 billion at December 31, 2022, an increase of $37.9 million, or 2.6%, when compared to $1.5 billion at September  30, 2022, and an increase of $281.6 million, or 22.6%, when compared to $1.2 billion at December 31, 2021.    The increase when compared to the prior quarter end is primarily due to an  $84.9 million increase in money market account balances, partially offset by a  $41.9 million decrease in certificate of deposit account balances and a $4.0 million decrease in checking account balances. The increase when compared to December 31, 2021 is primarily due to a $326.9 million increase in money market account balances,  partially offset by a $26.4 million decrease in certificate of deposit account balances and a $16.9 million decrease in checking account balances.  The increase in money market account balances during the quarter and year ended December 31, 2022 included several new Public Funds deposit relationships totaling approximately $47 million and $207 million, respectively.  Noninterest-bearing deposit accounts totaled $263.2 million at December 31, 2022 and decreased $7.7 million from $270.9 million at September  30, 2022, and decreased $21.7 million from $284.9 million at December 31, 2021.

Borrowings

FHLB advances and other debt totaled $109.5 million at December 31, 2022, an increase of $6.7 million, or 6.5%, when compared to $102.8 million at September 30, 2022 and an increase of $19.8 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  $6.5 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 and an increase of $5.2 million on the Company’s line of credit with a third party financial institution.

Capital

Stockholders’ equity totaled $139.2 million at December 31, 2022, an increase of $4.3 million, or 3.2%, from $134.9 million at September 30, 2022.  Stockholders’ equity increased $13.9 million, or 11.1%, from $125.3 million at December 31, 2021.  The increase in total stockholders’ equity during the three months ended December 31, 2022 was primarily attributed to net income, partially offset by a $383,000 increase in other comprehensive loss.  The increase in total stockholders’ equity during the twelve months ended December 31, 2022 was primarily attributed to net income, partially offset by share repurchases of $2.5 million and a  $1.9 million 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).  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 Pre-Provision, Pre-Tax Net Revenue (PPNR), PPNR Return on Average Assets and PPNR 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 was recently recognized in CB Resource Inc.’s Durable Performance Index which highlighted banks who have maintained above average performance over the course of the last three years based on 11 key performance indicators over the three-year period ended September 30, 2022.  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, 2021 and has been recognized as a Small Cap All-Star performer by Piper Sandler in 2021, 2020, and 2019.

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

 

 

 

Year ended

 

 



December 31,

 

 

 

December 31,

 

 



2022

 

2021

 

% change

 

2022

 

2021

 

% change

Total interest income

$

 21,901 

 

$

 13,127 

 

 67% 

 

$

 67,764 

 

 

 52,348 

 

 29% 

Total interest expense

 

 8,746 

 

 

 2,158 

 

 305% 

 

 

 18,974 

 

 

 10,309 

 

 84% 

     Net interest income

 

 13,155 

 

 

 10,969 

 

 20% 

 

 

 48,790 

 

 

 42,039 

 

 16% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provision for loan and lease losses

 

 637 

 

 

 -

 

n/m

 

 

 787 

 

 

 (1,600)

 

n/m

Net interest income after provision for loan and lease losses

 

 12,518 

 

 

 10,969 

 

 14% 

 

 

 48,003 

 

 

 43,639 

 

 10% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Service charges on deposit accounts

 

 312 

 

 

 233 

 

 34% 

 

 

 1,135 

 

 

 845 

 

 34% 

  Net gain (loss) on sales of residential mortgage loans

 

 (22)

 

 

 568 

 

n/m

 

 

 656 

 

 

 5,916 

 

-89%

  Net gain on sale of commercial loans

 

 76 

 

 

 285 

 

-73%

 

 

 353 

 

 

 1,443 

 

-76%

  Swap fee income

 

 148 

 

 

 12 

 

 1133% 

 

 

 190 

 

 

 194 

 

-2%

  Gain (loss) on redemption of life insurance

 

 (173)

 

 

 -

 

n/m

 

 

 (173)

 

 

 383 

 

n/m

  Gain on sale of deposits

 

 -

 

 

 -

 

n/m

 

 

 -

 

 

 1,893 

 

n/m

  Other

 

 310 

 

 

 284 

 

 9% 

 

 

 1,049 

 

 

 966 

 

 9% 

     Noninterest income

 

 651 

 

 

 1,382 

 

-53%

 

 

 3,210 

 

 

 11,640 

 

-72%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest expense

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Salaries and employee benefits

 

 3,814 

 

 

 3,538 

 

 8% 

 

 

 15,125 

 

 

 16,948 

 

-11%

  Occupancy and equipment

 

 298 

 

 

 285 

 

 5% 

 

 

 1,253 

 

 

 1,120 

 

 12% 

  Data processing

 

 632 

 

 

 506 

 

 25% 

 

 

 2,807 

 

 

 2,086 

 

 35% 

  Franchise and other taxes

 

 312 

 

 

 252 

 

 24% 

 

 

 1,151 

 

 

 975 

 

 18% 

  Professional fees

 

 610 

 

 

 793 

 

-23%

 

 

 2,758 

 

 

 4,348 

 

-37%

  Director fees

 

 167 

 

 

 156 

 

 7% 

 

 

 632 

 

 

 622 

 

 2% 

  Postage, printing, and supplies

 

 57 

 

 

 26 

 

 119% 

 

 

 183 

 

 

 146 

 

 25% 

  Advertising and marketing

 

 144 

 

 

 489 

 

-71%

 

 

 431 

 

 

 3,061 

 

-86%

  Telephone

 

 69 

 

 

 72 

 

-4%

 

 

 249 

 

 

 263 

 

-5%

  Loan expenses

 

 192 

 

 

 165 

 

 16% 

 

 

 694 

 

 

 352 

 

 97% 

  Depreciation

 

 121 

 

 

 124 

 

-2%

 

 

 496 

 

 

 435 

 

 14% 

  FDIC premiums

 

 440 

 

 

 143 

 

 208% 

 

 

 1,130 

 

 

 1,238 

 

-9%

  Regulatory assessment

 

 71 

 

 

 65 

 

 9% 

 

 

 272 

 

 

 261 

 

 4% 

  Other insurance

 

 42 

 

 

 45 

 

-7%

 

 

 177 

 

 

 158 

 

 12% 

  Impairment of property and equipment

 

 -

 

 

 -

 

n/m

 

 

 570 

 

 

 -

 

n/m

  Other

 

 304 

 

 

 137 

 

 122% 

 

 

 693 

 

 

 448 

 

 55% 

     Noninterest expense

 

 7,273 

 

 

 6,796 

 

 7% 

 

 

 28,621 

 

 

 32,461 

 

-12%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before income taxes

 

 5,896 

 

 

 5,555 

 

 6% 

 

 

 22,592 

 

 

 22,818 

 

-1%

Income tax expense

 

 1,225 

 

 

 1,088 

 

 13% 

 

 

 4,428 

 

 

 4,365 

 

 1% 

Net Income

$

 4,671 

 

$

 4,467 

 

 5% 

 

$

 18,164 

 

$

 18,453 

 

-2%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Share Data

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per common share

$

 0.73 

 

$

 0.69 

 

 

 

$

 2.84 

 

$

 2.84 

 

 

Diluted earnings per common share

$

 0.72 

 

$

 0.68 

 

 

 

$

 2.78 

 

$

 2.77 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average common shares outstanding - basic

 

 6,363,552 

 

 

 6,448,896 

 

 

 

 

 6,397,053 

 

 

 6,508,156 

 

 

Average common shares outstanding - diluted 

 

 6,491,820 

 

 

 6,585,511 

 

 

 

 

 6,535,160 

 

 

 6,650,447 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

n/m - not meaningful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Statements of Financial Condition

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

($ in thousands)

Dec 31,

 

Sept 30,

 

Jun 30,

 

Mar 31,

 

Dec 31,

 

(unaudited)

2022

 

2022

 

2022

 

2022

 

2021

 

Assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

$

 151,787 

 

$

 198,066 

 

$

 154,850 

 

$

 168,290 

 

$

 166,591 

 

Interest-bearing deposits in other financial institutions

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

 

 100 

 

Securities available for sale

 

 10,442 

 

 

 11,436 

 

 

 12,220 

 

 

 13,004 

 

 

 16,347 

 

Equity Securities

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

 

 5,000 

 

Loans held for sale

 

 580 

 

 

 -

 

 

 -

 

 

 8,470 

 

 

 27,988 

 

Loans and leases

 

 1,588,317 

 

 

 1,489,570 

 

 

 1,393,759 

 

 

 1,296,836 

 

 

 1,229,657 

 

 Less allowance for loan and lease losses

 

 (16,062)

 

 

 (15,687)

 

 

 (15,532)

 

 

 (15,520)

 

 

 (15,508)

 

    Loans and leases, net

 

 1,572,255 

 

 

 1,473,883 

 

 

 1,378,227 

 

 

 1,281,316 

 

 

 1,214,149 

 

FHLB and FRB stock

 

 7,942 

 

 

 7,633 

 

 

 7,332 

 

 

 7,326 

 

 

 7,315 

 

Premises and equipment, net

 

 3,778 

 

 

 3,792 

 

 

 6,110 

 

 

 6,032 

 

 

 5,869 

 

Other assets held for sale

 

 1,930 

 

 

 1,930 

 

 

 -

 

 

 -

 

 

 -

 

Operating lease right of use assets

 

 1,357 

 

 

 1,499 

 

 

 1,638 

 

 

 1,782 

 

 

 1,925 

 

Bank owned life insurance

 

 25,641 

 

 

 26,189 

 

 

 26,038 

 

 

 25,889 

 

 

 25,743 

 

Accrued interest receivable and other assets

 

 39,362 

 

 

 34,514 

 

 

 27,962 

 

 

 26,986 

 

 

 24,562 

 

Total assets

$

 1,820,174 

 

$

 1,764,042 

 

$

 1,619,477 

 

$

 1,544,195 

 

$

 1,495,589 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders' Equity

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

    Noninterest bearing

$

 263,241 

 

$

 270,945 

 

$

 244,484 

 

$

 253,778 

 

$

 284,935 

 

    Interest bearing

 

 1,264,681 

 

 

 1,219,038 

 

 

 1,133,005 

 

 

 1,045,008 

 

 

 961,417 

 

         Total deposits

 

 1,527,922 

 

 

 1,489,983 

 

 

 1,377,489 

 

 

 1,298,786 

 

 

 1,246,352 

 

FHLB advances and other debt

 

 109,461 

 

 

 102,803 

 

 

 75,594 

 

 

 83,235 

 

 

 89,727 

 

Advances by borrowers for taxes and insurance

 

 3,513 

 

 

 2,573 

 

 

 1,879 

 

 

 2,078 

 

 

 2,752 

 

Operating lease liabilities

 

 1,438 

 

 

 1,588 

 

 

 1,736 

 

 

 1,889 

 

 

 2,032 

 

Accrued interest payable and other liabilities

 

 23,670 

 

 

 17,311 

 

 

 15,185 

 

 

 14,972 

 

 

 14,513 

 

Subordinated debentures

 

 14,922 

 

 

 14,912 

 

 

 14,903 

 

 

 14,893 

 

 

 14,883 

 

         Total liabilities

 

 1,680,926 

 

 

 1,629,170 

 

 

 1,486,786 

 

 

 1,415,853 

 

 

 1,370,259 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Stockholders' equity

 

 139,248 

 

 

 134,872 

 

 

 132,691 

 

 

 128,342 

 

 

 125,330 

 

Total liabilities and stockholders' equity

$

 1,820,174 

 

$

 1,764,042 

 

$

 1,619,477 

 

$

 1,544,195 

 

$

 1,495,589 

 







 

 

 











 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balance Sheet and Yield Analysis

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



For Three Months Ended



December 31, 2022

 

September 30, 2022

 

December 31, 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)

$

 16,178 

 

$

 217 

 

 

 4.75% 

 

$

 17,044 

 

$

 219 

 

 

 4.64% 

 

$

 21,768 

 

$

 227 

 

 

 4.18% 

Loans and leases and loans held for sale (3)

 

 1,522,529 

 

 

 19,971 

 

 

 5.25% 

 

 

 1,424,326 

 

 

 16,876 

 

 

 4.74% 

 

 

 1,205,878 

 

 

 12,804 

 

 

 4.25% 

Other earning assets

 

 161,904 

 

 

 1,603 

 

 

 3.96% 

 

 

 135,240 

 

 

 813 

 

 

 2.40% 

 

 

 71,647 

 

 

 29 

 

 

 0.16% 

FHLB and FRB stock

 

 7,810 

 

 

 110 

 

 

 5.63% 

 

 

 7,192 

 

 

 98 

 

 

 5.45% 

 

 

 6,520 

 

 

 67 

 

 

 4.11% 

Total interest-earning assets

 

 1,708,421 

 

 

 21,901 

 

 

 5.12% 

 

 

 1,583,802 

 

 

 18,006 

 

 

 4.54% 

 

 

 1,305,813 

 

 

 13,127 

 

 

 4.02% 

Noninterest-earning assets

 

 86,974 

 

 

 

 

 

 

 

 

 78,222 

 

 

 

 

 

 

 

 

 75,345 

 

 

 

 

 

 

Total assets

$

 1,795,395 

 

 

 

 

 

 

 

$

 1,662,024 

 

 

 

 

 

 

 

$

 1,381,158 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 1,260,255 

 

 

 7,775 

 

 

 2.47% 

 

$

 1,154,605 

 

 

 3,992 

 

 

 1.38% 

 

$

 924,453 

 

 

 1,632 

 

 

 0.71% 

FHLB advances and other borrowings

 

 118,083 

 

 

 971 

 

 

 3.29% 

 

 

 93,397 

 

 

 698 

 

 

 2.99% 

 

 

 59,782 

 

 

 526 

 

 

 3.52% 

Total interest-bearing liabilities

 

 1,378,338 

 

 

 8,746 

 

 

 2.54% 

 

 

 1,248,002 

 

 

 4,690 

 

 

 1.50% 

 

 

 984,235 

 

 

 2,158 

 

 

 0.88% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing liabilities

 

 279,212 

 

 

 

 

 

 

 

 

 279,383 

 

 

 

 

 

 

 

 

 273,691 

 

 

 

 

 

 

Total liabilities

 

 1,657,550 

 

 

 

 

 

 

 

 

 1,527,385 

 

 

 

 

 

 

 

 

 1,257,926 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity

 

 137,845 

 

 

 

 

 

 

 

 

 134,639 

 

 

 

 

 

 

 

 

 123,232 

 

 

 

 

 

 

Total liabilities and equity

$

 1,795,395 

 

 

 

 

 

 

 

$

 1,662,024 

 

 

 

 

 

 

 

$

 1,381,158 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest-earning assets

$

 330,083 

 

 

 

 

 

 

 

$

 335,800 

 

 

 

 

 

 

 

$

 321,578 

 

 

 

 

 

 

Net interest income/interest rate spread

 

 

 

$

 13,155 

 

 

 2.58% 

 

 

 

 

$

 13,316 

 

 

 3.04% 

 

 

 

 

$

 10,969 

 

 

 3.14% 

Net interest margin

 

 

 

 

 

 

 

 3.08% 

 

 

 

 

 

 

 

 

 3.36% 

 

 

 

 

 

 

 

 

 3.36% 

Average interest-earning assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to average interest-bearing liabilities

 

 123.95% 

 

 

 

 

 

 

 

 

 126.91% 

 

 

 

 

 

 

 

 

 132.67% 

 

 

 

 

 

 







(1)

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

(2)

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

(3)

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





 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated Financial Highlights

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

At or for the three months ended

 

At or for the year ended

($ in thousands except per share data)

 

Dec 31,

 

Sept 30,

 

Jun 30,

 

Mar 31,

 

Dec 31,

 

 

December 31,

(unaudited)

 

2022

 

2022

 

2022

 

2022

 

2021

 

 

2022

 

 

2021

Earnings and Dividends

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

$

 13,155 

 

$

 13,316 

 

$

 11,545 

 

$

 10,774 

 

$

 10,969 

 

$

 48,790 

 

$

 42,039 

Provision for loan and lease losses

 

$

 637 

 

$

 150 

 

$

 -

 

$

 -

 

$

 -

 

$

 787 

 

$

 (1,600)

Noninterest income

 

$

 651 

 

$

 705 

 

$

 808 

 

$

 1,046 

 

$

 1,382 

 

$

 3,210 

 

$

 11,640 

Noninterest expense

 

$

 7,273 

 

$

 8,599 

 

$

 6,472 

 

$

 6,277 

 

$

 6,796 

 

$

 28,621 

 

$

 32,461 

Net Income

 

$

 4,671 

 

$

 4,249 

 

$

 4,726 

 

$

 4,518 

 

$

 4,467 

 

$

 18,164 

 

$

 18,453 

Basic earnings per common share

 

$

 0.73 

 

$

 0.66 

 

$

 0.74 

 

$

 0.70 

 

$

 0.69 

 

$

 2.84 

 

$

 2.84 

Diluted earnings per common share

 

$

 0.72 

 

$

 0.65 

 

$

 0.72 

 

$

 0.69 

 

$

 0.68 

 

$

 2.78 

 

$

 2.77 

Dividends declared per share

 

$

 0.05 

 

$

 0.05 

 

$

 0.04 

 

$

 0.04 

 

$

 0.04 

 

$

 0.18 

 

$

 0.13 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performance Ratios (annualized)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 

 1.04% 

 

 

 1.02% 

 

 

 1.18% 

 

 

 1.24% 

 

 

 1.29% 

 

 

 1.11% 

 

 

 1.26% 

Return on average equity

 

 

 13.55% 

 

 

 12.62% 

 

 

 14.61% 

 

 

 14.32% 

 

 

 14.50% 

 

 

 13.69% 

 

 

 15.58% 

Average yield on interest-earning assets

 

 

 5.12% 

 

 

 4.54% 

 

 

 3.88% 

 

 

 3.82% 

 

 

 4.02% 

 

 

 4.37% 

 

 

 3.79% 

Average rate paid on interest-bearing liabilities

 

 

 2.54% 

 

 

 1.50% 

 

 

 1.05% 

 

 

 0.90% 

 

 

 0.88% 

 

 

 1.55% 

 

 

 0.95% 

Average interest rate spread

 

 

 2.58% 

 

 

 3.04% 

 

 

 2.83% 

 

 

 2.92% 

 

 

 3.14% 

 

 

 2.82% 

 

 

 2.84% 

Net interest margin, fully taxable equivalent

 

 

 3.08% 

 

 

 3.36% 

 

 

 3.04% 

 

 

 3.13% 

 

 

 3.36% 

 

 

 3.15% 

 

 

 3.04% 

Efficiency ratio

 

 

 52.68% 

 

 

 61.33% 

 

 

 52.39% 

 

 

 53.10% 

 

 

 55.02% 

 

 

 55.04% 

 

 

 60.47% 

Noninterest expense to average assets

 

 

 1.62% 

 

 

 2.07% 

 

 

 1.62% 

 

 

 1.72% 

 

 

 1.97% 

 

 

 1.76% 

 

 

 2.22% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital leverage ratio (1)

 

 

 9.89% 

 

 

 10.00% 

 

 

 10.09% 

 

 

 11.06% 

 

 

 11.29% 

 

 

 9.89% 

 

 

 11.29% 

Total risk-based capital ratio (1)

 

 

 12.74% 

 

 

 12.78% 

 

 

 13.33% 

 

 

 14.01% 

 

 

 14.02% 

 

 

 12.74% 

 

 

 14.02% 

Tier 1 risk-based capital ratio (1)

 

 

 11.65% 

 

 

 11.65% 

 

 

 12.13% 

 

 

 12.76% 

 

 

 12.77% 

 

 

 11.65% 

 

 

 12.77% 

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

 

 

 11.65% 

 

 

 11.65% 

 

 

 12.13% 

 

 

 12.76% 

 

 

 12.77% 

 

 

 11.65% 

 

 

 12.77% 

Equity to total assets at end of period

 

 

 7.65% 

 

 

 7.65% 

 

 

 8.19% 

 

 

 8.31% 

 

 

 8.38% 

 

 

 7.65% 

 

 

 8.38% 

Book value per common share

 

$

 21.43 

 

$

 20.85 

 

$

 20.25 

 

$

 19.70 

 

$

 19.28 

 

$

 21.43 

 

$

 19.28 

Tangible book value per common share

 

$

 21.43 

 

$

 20.85 

 

$

 20.25 

 

$

 19.70 

 

$

 19.28 

 

$

 21.43 

 

$

 19.28 

Period-end market value per common share

 

$

 21.18 

 

$

 20.62 

 

$

 21.00 

 

$

 22.30 

 

$

 20.53 

 

$

 21.18 

 

$

 20.53 

Period-end common shares outstanding

 

 

 6,496,824 

 

 

 6,467,278 

 

 

 6,552,020 

 

 

 6,515,927 

 

 

 6,500,248 

 

 

 6,496,824 

 

 

 6,500,248 

Average basic common shares outstanding

 

 

 6,363,552 

 

 

 6,393,531 

 

 

 6,413,884 

 

 

 6,417,881 

 

 

 6,448,896 

 

 

 6,397,053 

 

 

 6,508,156 

Average diluted common shares outstanding

 

 

 6,491,820 

 

 

 6,547,791 

 

 

 6,552,763 

 

 

 6,548,380 

 

 

 6,585,511 

 

 

 6,535,160 

 

 

 6,650,447 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Asset Quality

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming loans

 

$

 761 

 

$

 1,004 

 

$

 921 

 

$

 1,006 

 

$

 997 

 

$

 761 

 

$

 997 

Nonperforming loans to total loans

 

 

 0.05% 

 

 

 0.07% 

 

 

 0.07% 

 

 

 0.08% 

 

 

 0.08% 

 

 

 0.05% 

 

 

 0.08% 

Nonperforming assets to total assets

 

 

 0.04% 

 

 

 0.06% 

 

 

 0.06% 

 

 

 0.07% 

 

 

 0.07% 

 

 

 0.04% 

 

 

 0.07% 

Allowance for loan and lease losses to total loans

 

 

 1.01% 

 

 

 1.05% 

 

 

 1.11% 

 

 

 1.20% 

 

 

 1.26% 

 

 

 1.01% 

 

 

 1.26% 

Allowance for loan and lease losses to nonperforming loans

 

 

 2110.64% 

 

 

 1562.45% 

 

 

 1686.43% 

 

 

 1542.74% 

 

 

 1555.47% 

 

 

 2110.64% 

 

 

 1555.47% 

Net charge-offs (recoveries)

 

$

 262 

 

$

 (5)

 

$

 (12)

 

$

 (12)

 

$

 (21)

 

$

 233 

 

$

 (86)

Annualized net charge-offs (recoveries) to average loans

 

 

 0.07% 

 

 

 0.00% 

 

 

 0.00% 

 

 

 0.00% 

 

 

 (0.01%)

 

 

 0.02% 

 

 

 (0.01%)



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Balances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

 1,537,941 

 

$

 1,439,863 

 

$

 1,340,330 

 

$

 1,254,639 

 

$

 1,173,853 

 

$

 1,394,838 

 

$

 1,048,349 

Assets

 

$

 1,795,395 

 

$

 1,662,024 

 

$

 1,596,926 

 

$

 1,456,003 

 

$

 1,381,158 

 

$

 1,629,191 

 

$

 1,461,180 

Stockholders' equity

 

$

 137,845 

 

$

 134,639 

 

$

 129,423 

 

$

 126,199 

 

$

 123,232 

 

$

 132,642 

 

$

 118,430 



(1)  Regulatory capital ratios of CFBank



 

 

GAAP TO NON-GAAP RECONCILIATION



This press release contains certain non-GAAP disclosures for: (1) PPNR, (2) PPNR return on average assets and (3) 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) net earnings (2) return on average assets and (3) 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,



2022

 

2022

 

2021

 

2022

 

2021

Net income

$

 4,671 

 

$

 4,249 

 

$

 4,467 

 

$

 18,164 

 

$

 18,453 

Add: Provision for credit losses

 

 637 

 

 

 150 

 

 

 -

 

 

 787 

 

 

 (1,600)

Add: Income tax expense

 

 1,225 

 

 

 1,023 

 

 

 1,088 

 

 

 4,428 

 

 

 4,365 

Pre-provision, pre-tax net revenue

$

 6,533 

 

$

 5,422 

 

$

 5,555 

 

$

 23,379 

 

$

 21,218 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average Assets

$

 1,795,395 

 

$

 1,662,024 

 

$

 1,381,158 

 

$

 1,629,191 

 

$

 1,461,180 

Average Stockholders' Equity

$

 137,845 

 

$

 134,639 

 

$

 123,232 

 

$

 132,642 

 

$

 118,430 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (1)

 

 1.04% 

 

 

 1.02% 

 

 

 1.29% 

 

 

 1.11% 

 

 

 1.26% 

PPNR return on average assets (2)

 

 1.46% 

 

 

 1.30% 

 

 

 1.61% 

 

 

 1.44% 

 

 

 1.45% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average equity (3)

 

 13.55% 

 

 

 12.62% 

 

 

 14.50% 

 

 

 13.69% 

 

 

 15.58% 

PPNR return on average equity (4)

 

 18.96% 

 

 

 16.11% 

 

 

 18.03% 

 

 

 17.63% 

 

 

 17.92% 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

(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, 2023
Document And Entity Information [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Feb. 07, 2023
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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