2015 Q4 Form 10-Q Financial Statement

#000114420416082166 Filed on February 16, 2016

View on sec.gov

Income Statement

Concept 2015 Q4 2014 Q4 2014 Q3
Revenue $3.658M $3.585M $3.533M
YoY Change 2.04% 5.1% 7.45%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $221.0K $237.0K $245.0K
YoY Change -6.75% -3.66% -3.92%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $761.0K $1.023M $940.0K
YoY Change -25.61% 8.48% 26.01%
Income Tax $122.0K $215.0K $184.0K
% Of Pretax Income 16.03% 21.02% 19.57%
Net Earnings $639.0K $808.0K $756.0K
YoY Change -20.92% 7.02% 21.74%
Net Earnings / Revenue 17.47% 22.54% 21.4%
Basic Earnings Per Share $0.23 $0.30 $0.28
Diluted Earnings Per Share $0.23 $0.30 $0.28
COMMON SHARES
Basic Shares Outstanding 2.725M 2.729B shares 2.722B shares
Diluted Shares Outstanding 2.725M 2.729B shares 2.722B shares

Balance Sheet

Concept 2015 Q4 2014 Q4 2014 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $9.888M $12.03M $10.71M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $13.30M $9.100M $7.895M
YoY Change 46.15% 44.35% 30.39%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $418.2M $398.3M $389.8M
YoY Change 5.0% 9.37% 7.92%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $3.100M $3.200M $3.200M
YoY Change -3.13% 33.33% 39.13%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $19.70M $16.40M $21.56M
YoY Change 20.12% 6.1% 34.43%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $3.100M $3.200M $3.200M
YoY Change -3.13% 33.33% 39.13%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00 $0.00
YoY Change
TOTAL LIABILITIES
Total Short-Term Liabilities $3.100M $3.200M $3.200M
Total Long-Term Liabilities $0.00 $0.00 $0.00
Total Liabilities $375.8M $357.0M $349.3M
YoY Change 5.27% 9.41% 8.02%
SHAREHOLDERS EQUITY
Retained Earnings $28.31M $26.37M
YoY Change 6.72%
Common Stock $14.63M $14.63M
YoY Change 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost) $1.657M $1.652M
YoY Change 0.12%
Treasury Stock Shares 130.3K shares 122.5K shares 121.3K shares
Shareholders Equity $42.42M $41.32M $40.55M
YoY Change
Total Liabilities & Shareholders Equity $418.2M $398.3M $389.8M
YoY Change 5.0% 9.37% 7.92%

Cashflow Statement

Concept 2015 Q4 2014 Q4 2014 Q3
OPERATING ACTIVITIES
Net Income $639.0K $808.0K $756.0K
YoY Change -20.92% 7.02% 21.74%
Depreciation, Depletion And Amortization
YoY Change
Cash From Operating Activities $1.050M $1.260M $1.766M
YoY Change -16.67% -14.86% 72.63%
INVESTING ACTIVITIES
Capital Expenditures -$1.010M -$1.370M $1.328M
YoY Change -26.28% 251.28% 174.95%
Acquisitions
YoY Change
Other Investing Activities -$6.860M -$6.040M -$6.890M
YoY Change 13.58% -4.58% -54.19%
Cash From Investing Activities -$7.870M -$7.410M -$8.216M
YoY Change 6.21% 10.27% -47.07%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 3.060M 7.460M $6.037M
YoY Change -58.98% 204.49% -64.59%
NET CHANGE
Cash From Operating Activities 1.050M 1.260M $1.766M
Cash From Investing Activities -7.870M -7.410M -$8.216M
Cash From Financing Activities 3.060M 7.460M $6.037M
Net Change In Cash -3.760M 1.310M -$413.0K
YoY Change -387.02% -146.95% -116.2%
FREE CASH FLOW
Cash From Operating Activities $1.050M $1.260M $1.766M
Capital Expenditures -$1.010M -$1.370M $1.328M
Free Cash Flow $2.060M $2.630M $438.0K
YoY Change -21.67% 40.64% -18.89%

Facts In Submission

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1564000 USD
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
2724573000 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
2728114000 shares
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.50
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.57
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
2724573000 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
2728114000 shares
us-gaap Weighted Average Number Of Shares Restricted Stock
WeightedAverageNumberOfSharesRestrictedStock
173000 shares
us-gaap Weighted Average Number Of Shares Restricted Stock
WeightedAverageNumberOfSharesRestrictedStock
342000 shares
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.50
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.57
us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
1366000 USD
us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
1564000 USD
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2724746000 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2728456000 shares
CY2015Q4 us-gaap Financial Instruments Owned Us Government And Agency Obligations At Fair Value
FinancialInstrumentsOwnedUSGovernmentAndAgencyObligationsAtFairValue
14011000 USD
CY2015Q4 us-gaap Financial Instruments Owned State And Municipal Government Obligations At Fair Value
FinancialInstrumentsOwnedStateAndMunicipalGovernmentObligationsAtFairValue
53634000 USD
CY2015Q2 us-gaap Financial Instruments Owned Us Government And Agency Obligations At Fair Value
FinancialInstrumentsOwnedUSGovernmentAndAgencyObligationsAtFairValue
16558000 USD
CY2015Q2 us-gaap Financial Instruments Owned State And Municipal Government Obligations At Fair Value
FinancialInstrumentsOwnedStateAndMunicipalGovernmentObligationsAtFairValue
48963000 USD
CY2015Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
241338000 USD
CY2015Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
228911000 USD
CY2015Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
369000 USD
CY2015Q2 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
392000 USD
CY2015Q2 us-gaap Accumulated Other Comprehensive Income Loss Before Tax1
AccumulatedOtherComprehensiveIncomeLossBeforeTax1
1363000 USD
CY2015Q2 cbkm Accumulated Other Comprehensive Income Loss Tax Portion
AccumulatedOtherComprehensiveIncomeLossTaxPortion
-464000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-137000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-150000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
266000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
290000 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
12000 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
42000 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
-23000 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
-80000 USD
us-gaap Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
368000 USD
us-gaap Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
318000 USD
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
-125000 USD
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
-108000 USD
CY2015Q4 us-gaap Accumulated Other Comprehensive Income Loss Before Tax1
AccumulatedOtherComprehensiveIncomeLossBeforeTax1
1731000 USD
CY2014Q4 us-gaap Accumulated Other Comprehensive Income Loss Before Tax1
AccumulatedOtherComprehensiveIncomeLossBeforeTax1
2262000 USD
CY2015Q4 cbkm Accumulated Other Comprehensive Income Loss Tax Portion
AccumulatedOtherComprehensiveIncomeLossTaxPortion
-589000 USD
CY2014Q4 cbkm Accumulated Other Comprehensive Income Loss Tax Portion
AccumulatedOtherComprehensiveIncomeLossTaxPortion
-769000 USD
CY2014Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
1493000 USD
CY2014Q2 us-gaap Accumulated Other Comprehensive Income Loss Before Tax1
AccumulatedOtherComprehensiveIncomeLossBeforeTax1
1944000 USD
CY2014Q2 cbkm Accumulated Other Comprehensive Income Loss Tax Portion
AccumulatedOtherComprehensiveIncomeLossTaxPortion
-661000 USD
CY2014Q2 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
1283000 USD
CY2015Q3 us-gaap Accumulated Other Comprehensive Income Loss Before Tax1
AccumulatedOtherComprehensiveIncomeLossBeforeTax1
2141000 USD
CY2015Q3 cbkm Accumulated Other Comprehensive Income Loss Tax Portion
AccumulatedOtherComprehensiveIncomeLossTaxPortion
-728000 USD
CY2015Q3 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
1413000 USD
CY2014Q4 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-180000 USD
CY2014Q4 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
351000 USD
CY2014Q4 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
29000 USD
CY2014Q4 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
-56000 USD
CY2015Q4 us-gaap Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
-410000 USD
CY2014Q4 us-gaap Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
446000 USD
CY2015Q4 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
139000 USD
CY2014Q4 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
-151000 USD
CY2014Q3 us-gaap Accumulated Other Comprehensive Income Loss Before Tax1
AccumulatedOtherComprehensiveIncomeLossBeforeTax1
1816000 USD
CY2014Q3 cbkm Accumulated Other Comprehensive Income Loss Tax Portion
AccumulatedOtherComprehensiveIncomeLossTaxPortion
-618000 USD
CY2014Q3 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
1198000 USD
CY2015Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1202000 USD
CY2015Q4 us-gaap Troubled Debt Restructuring Debtor Subsequent Periods Contingent Payments Amount
TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsAmount
70000 USD
CY2015Q2 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1335000 USD
CY2015Q2 us-gaap Troubled Debt Restructuring Debtor Subsequent Periods Contingent Payments Amount
TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsAmount
70000 USD
CY2015Q4 cbkm Total Outstanding On Commercial And Commercial Real Estate Loans
TotalOutstandingOnCommercialAndCommercialRealEstateLoans
100000 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
617000 USD
CY2015Q2 cbkm Financing Receivable Recorded Investment Not Past Due
FinancingReceivableRecordedInvestmentNotPastDue
228403000 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
229020000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
2888000 USD
CY2015Q4 cbkm Financing Receivable Recorded Investment Not Past Due
FinancingReceivableRecordedInvestmentNotPastDue
238598000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
241486000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
3498000 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2269000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 USD
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4218000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
4361000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
4864000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
167000 USD
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
26000 USD
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
26000 USD
CY2015Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
2514000 USD
CY2015Q4 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
192000 USD
CY2015Q4 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
155000 USD
CY2015Q4 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
4000 USD
CY2014Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
2419000 USD
CY2014Q4 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
57000 USD
CY2014Q4 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
35000 USD
CY2014Q4 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
11000 USD
CY2014Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
2452000 USD
CY2015Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
167000 USD
CY2015Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
2388000 USD
CY2015Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
4361000 USD
CY2015Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
237125000 USD
dei Document Type
DocumentType
10-Q
dei Amendment Flag
AmendmentFlag
false
dei Document Period End Date
DocumentPeriodEndDate
2015-12-31
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2016
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q2
dei Entity Registrant Name
EntityRegistrantName
CONSUMERS BANCORP INC /OH/
dei Entity Central Index Key
EntityCentralIndexKey
0001006830
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--06-30
dei Entity Filer Category
EntityFilerCategory
Smaller Reporting Company
dei Trading Symbol
TradingSymbol
CBKM
CY2016Q1 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
2727730 shares
CY2015Q2 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
350000 shares
CY2015Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
350000 shares
CY2015Q2 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
3500000 shares
CY2015Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
3500000 shares
CY2015Q2 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
2854133 shares
CY2015Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
2854133 shares
CY2015Q4 us-gaap Treasury Stock Shares
TreasuryStockShares
130339 shares
CY2015Q2 us-gaap Treasury Stock Shares
TreasuryStockShares
130064 shares
CY2015Q2 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
3722000 USD
CY2015Q4 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
2789000 USD
CY2014Q4 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
2728000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
5584000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
5432000 USD
CY2015Q4 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
488000 USD
CY2014Q4 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
496000 USD
us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
945000 USD
us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
959000 USD
CY2015Q4 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
351000 USD
CY2014Q4 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
342000 USD
us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
695000 USD
us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
694000 USD
CY2015Q4 cbkm Income From Federal Funds Sold And Other Interest Bearing Deposits
IncomeFromFederalFundsSoldAndOtherInterestBearingDeposits
30000 USD
CY2014Q4 cbkm Income From Federal Funds Sold And Other Interest Bearing Deposits
IncomeFromFederalFundsSoldAndOtherInterestBearingDeposits
19000 USD
cbkm Income From Federal Funds Sold And Other Interest Bearing Deposits
IncomeFromFederalFundsSoldAndOtherInterestBearingDeposits
54000 USD
cbkm Income From Federal Funds Sold And Other Interest Bearing Deposits
IncomeFromFederalFundsSoldAndOtherInterestBearingDeposits
33000 USD
CY2015Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
3658000 USD
CY2014Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
3585000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
7278000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
7118000 USD
CY2015Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
171000 USD
CY2014Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
182000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
347000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
372000 USD
CY2015Q4 us-gaap Interest Expense Short Term Borrowings
InterestExpenseShortTermBorrowings
10000 USD
CY2014Q4 us-gaap Interest Expense Short Term Borrowings
InterestExpenseShortTermBorrowings
8000 USD
us-gaap Interest Expense Short Term Borrowings
InterestExpenseShortTermBorrowings
18000 USD
us-gaap Interest Expense Short Term Borrowings
InterestExpenseShortTermBorrowings
15000 USD
CY2015Q4 us-gaap Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Long Term
InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm
40000 USD
CY2014Q4 us-gaap Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Long Term
InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm
47000 USD
us-gaap Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Long Term
InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm
83000 USD
us-gaap Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Long Term
InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm
95000 USD
CY2015Q4 us-gaap Interest Expense
InterestExpense
221000 USD
CY2014Q4 us-gaap Interest Expense
InterestExpense
237000 USD
us-gaap Interest Expense
InterestExpense
448000 USD
us-gaap Interest Expense
InterestExpense
482000 USD
CY2015Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
3437000 USD
CY2014Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
3348000 USD
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
6830000 USD
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
6636000 USD
CY2015Q4 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
192000 USD
CY2014Q4 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
57000 USD
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
284000 USD
CY2015Q4 cbkm Professional And Director Fees
ProfessionalAndDirectorFees
177000 USD
CY2014Q4 cbkm Professional And Director Fees
ProfessionalAndDirectorFees
121000 USD
cbkm Professional And Director Fees
ProfessionalAndDirectorFees
218000 USD
CY2015Q4 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
70000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
3478000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
3416000 USD
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
124000 USD
CY2015Q4 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
3245000 USD
CY2014Q4 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
3291000 USD
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
6546000 USD
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
6512000 USD
CY2015Q4 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
320000 USD
CY2014Q4 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
320000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
634000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
640000 USD
CY2015Q4 us-gaap Fees And Commissions Debit Cards
FeesAndCommissionsDebitCards
240000 USD
CY2014Q4 us-gaap Fees And Commissions Debit Cards
FeesAndCommissionsDebitCards
230000 USD
us-gaap Fees And Commissions Debit Cards
FeesAndCommissionsDebitCards
474000 USD
us-gaap Fees And Commissions Debit Cards
FeesAndCommissionsDebitCards
459000 USD
CY2015Q4 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
49000 USD
CY2014Q4 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
44000 USD
us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
95000 USD
us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
88000 USD
CY2015Q4 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
0 USD
CY2014Q4 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
85000 USD
us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
35000 USD
us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
122000 USD
CY2015Q4 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
0 USD
CY2014Q4 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
0 USD
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
0 USD
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
22000 USD
CY2015Q4 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
113000 USD
CY2014Q4 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
114000 USD
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
219000 USD
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
253000 USD
CY2015Q4 us-gaap Noninterest Income
NoninterestIncome
722000 USD
CY2014Q4 us-gaap Noninterest Income
NoninterestIncome
793000 USD
us-gaap Noninterest Income
NoninterestIncome
1457000 USD
us-gaap Noninterest Income
NoninterestIncome
1584000 USD
CY2015Q4 us-gaap Labor And Related Expense
LaborAndRelatedExpense
1746000 USD
CY2014Q4 us-gaap Labor And Related Expense
LaborAndRelatedExpense
1699000 USD
CY2015Q4 us-gaap Occupancy Net
OccupancyNet
352000 USD
CY2014Q4 us-gaap Occupancy Net
OccupancyNet
367000 USD
us-gaap Occupancy Net
OccupancyNet
694000 USD
us-gaap Occupancy Net
OccupancyNet
735000 USD
CY2015Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
143000 USD
CY2014Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
141000 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
287000 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
283000 USD
cbkm Professional And Director Fees
ProfessionalAndDirectorFees
274000 USD
CY2014Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
215000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
294000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
399000 USD
CY2015Q4 us-gaap Earnings Per Share Basic And Diluted
EarningsPerShareBasicAndDiluted
0.23
CY2014Q4 us-gaap Earnings Per Share Basic And Diluted
EarningsPerShareBasicAndDiluted
0.30
us-gaap Earnings Per Share Basic And Diluted
EarningsPerShareBasicAndDiluted
0.50
us-gaap Earnings Per Share Basic And Diluted
EarningsPerShareBasicAndDiluted
0.57
CY2014Q4 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
56000 USD
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
128000 USD
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
116000 USD
CY2015Q4 us-gaap Taxes Other
TaxesOther
83000 USD
CY2014Q4 us-gaap Taxes Other
TaxesOther
72000 USD
us-gaap Taxes Other
TaxesOther
165000 USD
us-gaap Taxes Other
TaxesOther
149000 USD
CY2015Q4 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
79000 USD
CY2014Q4 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
54000 USD
us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
172000 USD
us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
120000 USD
CY2015Q4 us-gaap Communication
Communication
75000 USD
CY2014Q4 us-gaap Communication
Communication
65000 USD
us-gaap Communication
Communication
150000 USD
us-gaap Communication
Communication
137000 USD
CY2015Q4 cbkm Debit Card Processing Expenses
DebitCardProcessingExpenses
115000 USD
CY2014Q4 cbkm Debit Card Processing Expenses
DebitCardProcessingExpenses
123000 USD
cbkm Debit Card Processing Expenses
DebitCardProcessingExpenses
231000 USD
cbkm Debit Card Processing Expenses
DebitCardProcessingExpenses
237000 USD
CY2015Q4 us-gaap Other Noninterest Expense
OtherNoninterestExpense
366000 USD
CY2014Q4 us-gaap Other Noninterest Expense
OtherNoninterestExpense
363000 USD
us-gaap Other Noninterest Expense
OtherNoninterestExpense
764000 USD
us-gaap Other Noninterest Expense
OtherNoninterestExpense
722000 USD
CY2015Q4 us-gaap Noninterest Expense
NoninterestExpense
3206000 USD
CY2014Q4 us-gaap Noninterest Expense
NoninterestExpense
3061000 USD
us-gaap Noninterest Expense
NoninterestExpense
6343000 USD
us-gaap Noninterest Expense
NoninterestExpense
6133000 USD
CY2015Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
761000 USD
CY2014Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
1023000 USD
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
1660000 USD
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
1963000 USD
CY2015Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
122000 USD
CY2015Q4 cbkm Stock Issued During Period Shares Dividend Reinvestment Plan And Restricted Award Forfeited And Expired
StockIssuedDuringPeriodSharesDividendReinvestmentPlanAndRestrictedAwardForfeitedAndExpired
27 shares
cbkm Stock Issued During Period Shares Dividend Reinvestment Plan And Restricted Award Forfeited And Expired
StockIssuedDuringPeriodSharesDividendReinvestmentPlanAndRestrictedAwardForfeitedAndExpired
275 shares
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
0 USD
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
780000 USD
us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
0 USD
us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
476000 USD
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
0 USD
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
6000 USD
cbkm Issuance Of Treasury Stock For Vested Restricted Stock Awards
IssuanceOfTreasuryStockForVestedRestrictedStockAwards
5000 USD
cbkm Issuance Of Treasury Stock For Vested Restricted Stock Awards
IssuanceOfTreasuryStockForVestedRestrictedStockAwards
2000 USD
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div style="MARGIN: 0pt 0px; FONT: 10pt Times New Roman, Times, Serif "> <div style="CLEAR:both; FONT-FAMILY:Times New Roman;FONT-SIZE: 10pt;MARGIN: 0in 0in 0pt" align="justify"><b><font style="FONT-SIZE: 10pt"> Reclassifications:</font></b> <font style="FONT-SIZE: 10pt">Certain items in prior financial statements have been reclassified to conform to the current presentation. Any reclassifications had no impact on prior year net income or shareholders&#8217; equity.</font></div> </div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
cbkm Other Than Temporary Available For Sale Securities Evaluation Methodology
OtherThanTemporaryAvailableForSaleSecuritiesEvaluationMethodology
In determining OTTI under the ASC Topic 320 model, management considers many factors, including: (1)the length of time and the extent to which the fair value has been less than cost, (2)the financial condition and near-term prospects of the issuer, (3)whether the market decline was affected by macroeconomic conditions, and (4)whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.
CY2015Q4 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4417000 USD
CY2015Q4 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
0 USD
CY2014Q4 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
69000 USD
us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
0 USD
us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
69000 USD
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
284000 USD
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
176000 USD
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
15000 USD
CY2014Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
2405000 USD
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
124000 USD
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
101000 USD
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
24000 USD
cbkm Available For Sale Securities Income Tax Provision On Gross Realized Gains
AvailableForSaleSecuritiesIncomeTaxProvisionOnGrossRealizedGains
12000 USD
CY2014Q4 cbkm Available For Sale Securities Income Tax Provision On Gross Realized Gains
AvailableForSaleSecuritiesIncomeTaxProvisionOnGrossRealizedGains
29000 USD
cbkm Available For Sale Securities Income Tax Provision On Gross Realized Gains
AvailableForSaleSecuritiesIncomeTaxProvisionOnGrossRealizedGains
42000 USD
CY2015Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
70000 USD
CY2015Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
2362000 USD
CY2015Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
3401000 USD
CY2015Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
225619000 USD
CY2015Q2 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
3401000 USD
CY2015Q2 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
70000 USD
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
2977000 USD
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
32000 USD
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
32000 USD
CY2015Q4 cbkm Recorded Investment In Loans
RecordedInvestmentInLoans
517000 USD
cbkm Deferred Loan Fees
DeferredLoanFees
369000 USD
CY2015Q2 cbkm Recorded Investment In Loans
RecordedInvestmentInLoans
501000 USD
CY2015 cbkm Deferred Loan Fees
DeferredLoanFees
392000 USD
CY2015Q4 us-gaap Commitments And Contingencies
CommitmentsAndContingencies
USD
CY2015Q2 us-gaap Commitments And Contingencies
CommitmentsAndContingencies
USD
CY2015Q4 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
11000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
11000 USD
CY2015Q2 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
3864000 USD
CY2014Q4 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
3046000 USD
CY2014Q4 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
16000 USD
CY2014Q4 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
16000 USD
CY2015Q4 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
139000 USD
CY2015Q4 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
0 USD
CY2015Q4 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-271000 USD
CY2015Q4 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
0 USD

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