CFSB · As filed with the SEC
CFSB Bancorp income statement, by fiscal year
The statement as CFSB Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.
Consolidated Statements of Operations · USD
| USD | FY2025 Year ended Jun 30, 2025 | FY2024 Year ended Jun 30, 2024 | FY2023 Year ended Jun 30, 2023 | FY2022 Year ended Jun 30, 2022 | FY2021 Year ended Jun 30, 2021 |
|---|---|---|---|---|---|
| Interest and dividend income: | |||||
| Interest and fees on loans | 7,307,000 | 7,020,000 | 6,695,000 | 6,502,000 | 7,099,000 |
| Interest and dividends on debt securities | |||||
| Taxable | 4,322,000 | 3,736,000 | 3,228,000 | 2,153,000 | 1,777,000 |
| Tax exempt | 288,000 | 363,000 | 414,000 | 466,000 | 557,000 |
| Interest on short-term investments | 1,176,000 | 552,000 | 341,000 | 103,000 | 49,000 |
| Total interest and dividend income | 13,093,000 | 11,671,000 | 10,678,000 | 9,224,000 | 9,482,000 |
| Interest expense: | |||||
| Deposits | 5,641,000 | 4,513,000 | 1,872,000 | 1,012,000 | 2,017,000 |
| Borrowings | 473,000 | 453,000 | 54,000 | 8,000 | 59,000 |
| Total interest expense | — | — | 1,926,000 | 1,020,000 | 2,076,000 |
| Total interest expense | 6,114,000 | 4,966,000 | — | — | — |
| Net interest income | 6,979,000 | 6,705,000 | 8,752,000 | 8,204,000 | 7,406,000 |
| Provision for loan losses | — | — | 0 | 26,000 | 60,000 |
| Provision for (reversal of) credit losses: | |||||
| Securities held to maturity | 55,000 | — | — | — | — |
| Off-balance sheet credit exposures-loans | (3,000) | 8,000 | — | — | — |
| Loans | (6,000) | (203,000) | — | — | — |
| Securities held to maturity | — | (127,000) | — | — | — |
| Total provision for (reversal of) credit losses: | 46,000 | (322,000) | — | — | — |
| Net interest income after provision for (reversal of) credit losses | 6,933,000 | 7,027,000 | 8,752,000 | 8,178,000 | 7,346,000 |
| Non-interest income: | |||||
| Customer service fees | 149,000 | 155,000 | 146,000 | 127,000 | 115,000 |
| Income on bank-owned life insurance | 286,000 | 268,000 | 258,000 | 259,000 | 235,000 |
| Gain on sale and call of securities | — | — | 0 | 56,000 | 0 |
| Other income | 244,000 | 242,000 | 260,000 | 253,000 | 293,000 |
| Total non-interest income | 679,000 | 665,000 | 664,000 | 695,000 | 643,000 |
| Non-interest expense: | |||||
| Salaries and employee benefits | 4,361,000 | 4,558,000 | 4,517,000 | 4,097,000 | 3,994,000 |
| Occupancy and equipment | 974,000 | 975,000 | 1,028,000 | 883,000 | 831,000 |
| Advertising | 141,000 | 140,000 | 185,000 | 139,000 | 101,000 |
| Data processing | 402,000 | 369,000 | 344,000 | 350,000 | 348,000 |
| Deposit insurance | 138,000 | 133,000 | 106,000 | 90,000 | 85,000 |
| Charitable Foundation | — | — | 0 | 1,554,000 | 0 |
| Other general and administrative | 1,889,000 | 1,523,000 | 1,489,000 | 1,370,000 | 992,000 |
| Total non-interest expense | 7,905,000 | 7,698,000 | 7,669,000 | 8,483,000 | 6,351,000 |
| Loss before income taxes | (293,000) | (6,000) | 1,747,000 | 390,000 | 1,638,000 |
| Benefit for income taxes | (28,000) | (39,000) | 301,000 | (52,000) | 246,000 |
| Net (loss) income | (265,000) | 33,000 | 1,446,000 | 442,000 | 1,392,000 |
| Net (loss) income per share: | |||||
| Basic | (0.04) | 0.01 | 0.23 | 0.08 | — |
| Earnings (loss) per common share, Diluted | (0.04) | 0.01 | 0.23 | 0.08 | — |
| Weighted average shares outstanding: | |||||
| Basic | 6,267,146 | 6,291,529 | 6,275,819 | 5,886,929 | — |
| Diluted | 6,267,146 | 6,291,529 | 6,275,874 | 5,886,929 | — |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.