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COF-PK • CIK 0000927628
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $37,410,000 | $40,894,000 | $53,021,000 | $60,061,000 |
| Interest and Dividend Income, Securities, Operating | $2,550,000 | $2,873,000 | $3,218,000 | $3,346,000 |
| Other Interest and Dividend Income | $1,978,000 | $2,267,000 | $2,457,000 | $2,659,000 |
| Interest Income (Expense), Net | $29,241,000 | $31,208,000 | $42,878,000 | $49,389,000 |
| Interest and Dividend Income, Operating | $41,938,000 | $46,034,000 | $58,696,000 | $66,066,000 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $10,426,000 | $11,716,000 | $20,655,000 | $13,913,000 |
| Interest Income (Expense), after Provision for Loan Loss | $18,815,000 | $19,492,000 | $22,223,000 | $35,476,000 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $6,045,000 | $5,910,000 | $2,281,000 | $12,998,000 |
| Income Tax Expense (Benefit) | $1,158,000 | $1,163,000 | $193,000 | $2,850,000 |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | $4,887,000 | $4,747,000 | $2,088,000 | $10,148,000 |
| Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent | $0 | $3,000 | $365,000 | $372,000 |
| Net Income (Loss) Attributable to Parent | $4,887,000 | $4,750,000 | $2,453,000 | $10,520,000 |
| Preferred Stock Dividends, Income Statement Impact | $228,000 | $228,000 | $252,000 | $260,000 |
| Net Income (Loss) Available to Common Stockholders, Basic | $4,582,000 | $4,445,000 | $2,181,000 | $10,195,000 |
| Interest Expense, Deposits | $9,489,000 | $11,493,000 | $12,925,000 | $13,815,000 |
| InterestExpenseOperating | — | $14,826,000 | $15,818,000 | $16,677,000 |
| Debt and Equity Securities, Gain (Loss) | $-34,000 | $-35,000 | $0 | $0 |
| Noninterest Income, Other | $1,120,000 | $1,081,000 | $1,264,000 | $1,373,000 |
| Noninterest Income | $7,546,000 | $7,904,000 | $10,556,000 | $12,634,000 |
| Labor and Related Expense | $9,302,000 | $9,398,000 | $12,471,000 | $14,366,000 |
| Occupancy, Net | $2,160,000 | $2,366,000 | $3,166,000 | $3,650,000 |
| Marketing Expense | $4,009,000 | $4,562,000 | $5,884,000 | $6,495,000 |
| Professional and Contract Services Expense | $1,268,000 | $1,610,000 | $2,424,000 | $2,586,000 |
| Communications and Information Technology | $1,383,000 | $1,462,000 | $1,770,000 | $1,943,000 |
| Other Noninterest Expense | $2,112,000 | $2,011,000 | $3,457,000 | $4,034,000 |
| Noninterest Expense | $20,316,000 | $21,486,000 | $30,498,000 | $35,112,000 |
| Revenues | $36,787,000 | $39,112,000 | $53,434,000 | $62,023,000 |
| Interest Expense | $12,697,000 | — | — | $13,818,000 |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $6,535,000 | $3,732,000 | $6,271,000 | $11,039,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Liabilities and Equity | $478,464,000 | $490,144,000 | $669,009,000 | $673,835,000 |
| Restricted Cash and Cash Equivalents | $458,000 | $441,000 | $4,659,000 | $1,167,000 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $79,117,000 | $83,013,000 | $91,051,000 | $90,041,000 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $854,000 | $202,000 | $760,000 | $264,000 |
| Property, Plant and Equipment, Net | $4,375,000 | $4,511,000 | $5,602,000 | $6,244,000 |
| Interest Receivable | $2,478,000 | $2,532,000 | $3,492,000 | $3,432,000 |
| Goodwill | $15,065,000 | $15,059,000 | $28,509,000 | $31,866,000 |
| Intangible Assets, Net (Excluding Goodwill) | $310,000 | $233,000 | $16,578,000 | $16,077,000 |
| Other Assets | $27,644,000 | $29,639,000 | $30,711,000 | $33,091,000 |
| Interest Payable | $649,000 | $666,000 | $844,000 | $816,000 |
| Secured Debt | $18,043,000 | $14,264,000 | $12,853,000 | $8,502,000 |
| Other Liabilities | $21,457,000 | $20,436,000 | $27,778,000 | $29,598,000 |
| Liabilities | $420,375,000 | $429,360,000 | $555,393,000 | $560,042,000 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Common Stock, Value, Issued | $7,000 | $7,000 | $7,000 | $7,000 |
| Additional Paid in Capital | $35,541,000 | $36,428,000 | $64,031,000 | $65,105,000 |
| Retained Earnings (Accumulated Deficit) | $60,945,000 | $64,505,000 | $65,192,000 | $69,250,000 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-8,268,000 | $-9,286,000 | $-5,468,000 | $-6,300,000 |
| Treasury Stock, Common, Value | $30,136,000 | $30,870,000 | $10,146,000 | $14,269,000 |
| Stockholders' Equity Attributable to Parent | $58,089,000 | $60,784,000 | $113,616,000 | $113,793,000 |
| Cash and Due from Banks | $4,903,000 | $3,028,000 | $3,031,000 | $4,834,000 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $38,394,000 | $40,202,000 | $54,403,000 | $49,880,000 |
| Cash, Cash Equivalents, and Federal Funds Sold | $43,297,000 | $43,230,000 | $57,434,000 | $54,714,000 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $320,472,000 | $327,775,000 | $453,622,000 | $457,168,000 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $15,296,000 | $16,258,000 | $23,409,000 | $22,966,000 |
| Financing Receivable, after Allowance for Credit Loss | $305,176,000 | $311,517,000 | $430,213,000 | $434,202,000 |
| Noninterest-bearing Deposit Liabilities | $28,024,000 | $26,122,000 | $27,385,000 | $27,793,000 |
| Interest-bearing Deposit Liabilities | $320,389,000 | $336,585,000 | $448,386,000 | $456,464,000 |
| Deposits | $348,413,000 | $362,707,000 | $475,771,000 | $484,257,000 |
| Federal Funds Purchased and Securities Sold under Agreements to Repurchase | $538,000 | $562,000 | $587,000 | $694,000 |
| Unsecured Debt | $31,248,000 | $30,696,000 | $36,001,000 | $35,620,000 |
| Other Borrowings | $27,000 | $29,000 | $1,559,000 | $555,000 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | $88,063,000 | $92,995,000 | $97,656,000 | $96,954,000 |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $4,000 | $4,000 | $3,000 | $3,000 |
| Loans Held-for-sale, Fair Value Disclosure | $347,000 | $87,000 | $755,000 | $206,000 |
| Preferred Stock, Shares Authorized | 50,000,000 | 50,000,000 | 50,000,000 | 50,000,000 |
| Preferred Stock, Shares Issued | 4,975,000 | 4,975,000 | 4,980,700 | 4,980,700 |
| Common Stock, Shares Authorized | 1,000,000,000 | 1,000,000,000 | 1,000,000,000 | 1,000,000,000 |
| Common Stock, Shares, Issued | 696,242,668 | 702,224,674 | 708,546,381 | 714,105,102 |
| Common Stock, Shares, Outstanding | 380,389,609 | 381,230,343 | 625,102,271 | 613,484,836 |
| Treasury Stock, Common, Shares | 315,853,059 | 320,994,331 | 83,444,110 | 100,620,266 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $12,499,000 | $-84,000 | $18,422,000 | $-5,697,000 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $43,755,000 | $43,671,000 | $62,093,000 | $92,384,000 |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | $4,887,000 | $4,747,000 | $2,088,000 | $10,148,000 |
| Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent | $0 | $3,000 | $365,000 | $372,000 |
| Net Income (Loss) Attributable to Parent | $4,887,000 | $4,750,000 | $2,453,000 | $10,520,000 |
| Cash Provided by (Used in) Operating Activities, Discontinued Operations | $0 | $-4,000 | $84,000 | $186,000 |
| Net Cash Provided by (Used in) Operating Activities | $20,575,000 | $18,159,000 | $27,718,000 | $31,452,000 |
| Proceeds, Financing Receivable, Previously Written Off, Recovery | $2,288,000 | $3,001,000 | $5,064,000 | $5,064,000 |
| Payments to Acquire Property, Plant, and Equipment | $961,000 | $1,204,000 | $1,578,000 | $1,751,000 |
| Payments to Acquire Businesses, Net of Cash Acquired | $2,785,000 | $0 | $-16,465,000 | $2,200,000 |
| Proceeds from Divestiture of Businesses | — | — | $8,800,000 | $8,800,000 |
| Payments for (Proceeds from) Other Investing Activities | $1,325,000 | $1,617,000 | $1,820,000 | $1,931,000 |
| Net Cash Provided by (Used in) Investing Activities | $-21,920,000 | $-26,410,000 | $-444,000 | $-34,226,000 |
| Increase (Decrease) in Deposits | $15,172,000 | $14,156,000 | $5,931,000 | $15,868,000 |
| Proceeds from Issuance of Secured Debt | $3,292,000 | $1,805,000 | $3,535,000 | $4,781,000 |
| Repayments of Secured Debt | $2,483,000 | $5,828,000 | $10,934,000 | $14,233,000 |
| Proceeds from (Repayments of) Other Debt | $-351,000 | $27,000 | $517,000 | $-53,000 |
| Payments for Repurchase of Common Stock | $718,000 | $734,000 | $4,099,000 | $9,097,000 |
| Proceeds from Stock Plans | $10,000 | $4,000 | $9,000 | $9,000 |
| Net Cash Provided by (Used in) Financing Activities | $13,844,000 | $8,167,000 | $-8,852,000 | $-2,923,000 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $10,823,000 | $13,201,000 | $14,886,000 | $16,223,000 |
| IncomeTaxPaidFederalAfterRefundReceived | — | — | $358,000 | $358,000 |
| IncomeTaxPaidStateAndLocalAfterRefundReceived | — | — | $382,000 | $382,000 |
| IncomeTaxPaidForeignAfterRefundReceived | — | — | $66,000 | $66,000 |
| Income Taxes Paid, Net | — | — | $806,000 | $1,327,000 |
| Stock Issued | — | — | $51,790,000 | $1,891,000 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $10,426,000 | $11,716,000 | $20,655,000 | $13,913,000 |
| Depreciation, Depletion and Amortization, Nonproduction | $3,226,000 | $3,237,000 | $5,260,000 | $6,532,000 |
| Deferred Income Tax Expense (Benefit) | $-723,000 | $-853,000 | $-1,907,000 | $666,000 |
| Debt and Equity Securities, Gain (Loss) | $-34,000 | $-35,000 | $0 | $0 |
| Gain (Loss) on Sales of Loans, Net | $-6,000 | $-29,000 | $-3,000 | $-3,000 |
| Discontinued Operation, Gain (Loss) on Disposal of Discontinued Operation, Net of Tax | — | — | $483,000 | $483,000 |
| Share-based Payment Arrangement, Noncash Expense | $513,000 | $569,000 | $776,000 | $720,000 |
| Other Noncash Income (Expense) | $-51,000 | $-65,000 | $-111,000 | $-65,000 |
| Payments for Origination and Purchases of Loans Held-for-sale | $4,602,000 | $3,688,000 | $5,741,000 | $5,376,000 |
| Proceeds from Sale and Collection of Loans Held-for-sale | $4,432,000 | $3,870,000 | $5,231,000 | $5,332,000 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $359,000 | $54,000 | $34,000 | $56,000 |
| Increase (Decrease) in Other Operating Assets | $-716,000 | $426,000 | $610,000 | $1,484,000 |
| Increase (Decrease) in Interest Payable, Net | $122,000 | $17,000 | $-169,000 | $-72,000 |
| Increase (Decrease) in Other Operating Liabilities | $1,846,000 | $-1,104,000 | $2,089,000 | $984,000 |
| Payments to Acquire Debt Securities, Available-for-sale | $10,446,000 | $17,183,000 | $18,162,000 | $21,264,000 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $8,841,000 | $11,849,000 | $17,905,000 | $18,537,000 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $290,000 | $175,000 | $1,000 | $662,000 |
| Proceeds from Issuance of Common Stock | $299,000 | $323,000 | $400,000 | $454,000 |
| Payments of Ordinary Dividends, Common Stock | $931,000 | $932,000 | $1,516,000 | $1,896,000 |
| Proceeds from Issuance of Preferred Stock and Preference Stock | $0 | — | $0 | $0 |
| Payments of Ordinary Dividends, Preferred Stock and Preference Stock | $228,000 | $228,000 | $252,000 | $260,000 |