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CF Bankshares Inc. – ‘10-K’ for 12/31/23 – ‘EX-23.1’

On:  Thursday, 3/28/24, at 5:33pm ET   ·   As of:  3/29/24   ·   For:  12/31/23   ·   Accession #:  1070680-24-6   ·   File #:  0-25045

Previous ‘10-K’:  ‘10-K’ on 3/31/23 for 12/31/22   ·   Latest ‘10-K’:  This Filing   ·   25 References:   

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  As Of               Filer                 Filing    For·On·As Docs:Size

 3/29/24  CF Bankshares Inc.                10-K       12/31/23  139:38M

Annual Report   —   Form 10-K   —   SEA’34

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML  10.20M 
 2: EX-4.4      Instrument Defining the Rights of Security Holders  HTML     73K 
 3: EX-4.5      Instrument Defining the Rights of Security Holders  HTML     39K 
 4: EX-21.1     Subsidiaries List                                   HTML     36K 
 5: EX-23.1     Consent of Expert or Counsel                        HTML     38K 
 9: EX-97       Clawback Policy re: Recovery of Erroneously         HTML     79K 
                Awarded Compensation                                             
 6: EX-31.1     Certification -- §302 - SOA'02                      HTML     49K 
 7: EX-31.2     Certification -- §302 - SOA'02                      HTML     49K 
 8: EX-32.1     Certification -- §906 - SOA'02                      HTML     43K 
15: R1          Document And Entity Information                     HTML    112K 
16: R2          Consolidated Balance Sheets                         HTML    137K 
17: R3          Consolidated Balance Sheets (Parenthetical)         HTML     51K 
18: R4          Consolidated Statements Of Income                   HTML    173K 
19: R5          Consolidated Statements Of Comprehensive Income     HTML     60K 
20: R6          Consolidated Statements Of Comprehensive Income     HTML     39K 
                (Parenthetical)                                                  
21: R7          Consolidated Statements Of Changes In               HTML     98K 
                Stockholders' Equity                                             
22: R8          Consolidated Statements Of Changes In               HTML     48K 
                Stockholders' Equity (Parenthetical)                             
23: R9          Consolidated Statements Of Changes Of Cash Flows    HTML    184K 
24: R10         Summary Of Significant Accounting Policies          HTML    137K 
25: R11         Revenue Recognition                                 HTML     45K 
26: R12         Securities                                          HTML    385K 
27: R13         Loans And Leases                                    HTML   2.37M 
28: R14         Foreclosed Assets                                   HTML     40K 
29: R15         Fair Value                                          HTML    575K 
30: R16         Loan Servicing                                      HTML     55K 
31: R17         Premises And Equipment And Operating Leases         HTML     92K 
32: R18         Deposits                                            HTML     55K 
33: R19         FHLB Advances And Other Debt                        HTML    185K 
34: R20         Subordinated Debentures                             HTML     50K 
35: R21         Benefit Plans                                       HTML     58K 
36: R22         Income Taxes                                        HTML    198K 
37: R23         Related-Party Transactions                          HTML     64K 
38: R24         Stock-Based Compensation                            HTML    133K 
39: R25         Regulatory Capital Matters                          HTML    175K 
40: R26         Derivative Instruments                              HTML    163K 
41: R27         Loan Commitments And Other Related Activities       HTML     84K 
42: R28         Parent Company Only Condensed Financial             HTML    286K 
                Information                                                      
43: R29         Earnings Per Common Share                           HTML    128K 
44: R30         Contingent Liabilities                              HTML     40K 
45: R31         Accumulated Other Comprehensive Income (Loss)       HTML     94K 
46: R32         Branch Sale                                         HTML     41K 
47: R33         Other Assets Held For Sale                          HTML     40K 
48: R34         Subsequent Event                                    HTML     40K 
49: R35         Summary Of Significant Accounting Policies          HTML    230K 
                (Policy)                                                         
50: R36         Securities (Tables)                                 HTML    383K 
51: R37         Loans And Leases (Tables)                           HTML   2.36M 
52: R38         Fair Value (Tables)                                 HTML    560K 
53: R39         Loan Servicing (Tables)                             HTML     47K 
54: R40         Premises And Equipment And Operating Leases         HTML     84K 
                (Tables)                                                         
55: R41         Deposits (Tables)                                   HTML     50K 
56: R42         FHLB Advances And Other Debt (Tables)               HTML    179K 
57: R43         Income Taxes (Tables)                               HTML    189K 
58: R44         Related-Party Transactions (Tables)                 HTML     58K 
59: R45         Stock-Based Compensation (Tables)                   HTML    115K 
60: R46         Regulatory Capital Matters (Tables)                 HTML    161K 
61: R47         Derivative Instruments (Tables)                     HTML    156K 
62: R48         Loan Commitments And Other Related Activities       HTML     78K 
                (Tables)                                                         
63: R49         Parent Company Only Condensed Financial             HTML    287K 
                Information (Tables)                                             
64: R50         Earnings Per Common Share (Tables)                  HTML    126K 
65: R51         Accumulated Other Comprehensive Income (Loss)       HTML     93K 
                (Tables)                                                         
66: R52         Summary of Significant Accounting Policies          HTML    103K 
                (Narrative) (Details)                                            
67: R53         Securities (Narrative) (Details)                    HTML     58K 
68: R54         Securities (Amortized Cost And Fair Value Of        HTML     56K 
                Available-For-Sale Securities Portfolio) (Details)               
69: R55         Securities (Securities Classified By Maturity       HTML     69K 
                Date) (Details)                                                  
70: R56         Securities (Fair Value Of Securities Pledged)       HTML     46K 
                (Details)                                                        
71: R57         Securities (Securities With Unrealized Losses)      HTML     67K 
                (Details)                                                        
72: R58         Loans And Leases (Narrative) (Details)              HTML     67K 
73: R59         Loans And Leases (Recorded Investment In Loans By   HTML     72K 
                Portfolio Segment) (Details)                                     
74: R60         Loans And Leases (Activity In ALLL By Portfolio     HTML    105K 
                Segment) (Details)                                               
75: R61         Loans And Leases (Activity In ALLL Under Prior      HTML     75K 
                GAAP) (Details)                                                  
76: R62         Loans And Leases (Schedule Of Collateral-Dependent  HTML     61K 
                Loans By Loan Segment) (Details)                                 
77: R63         Loans And Leases (Balance In ALLL And Recorded      HTML     86K 
                Investment In Loans By Portfolio Segment And Based               
                On Impairment Method) (Details)                                  
78: R64         Loans And Leases (Individually Evaluated For        HTML     73K 
                Impairment By Class Of Loans) (Details)                          
79: R65         Loans And Leases (Recorded Investment In            HTML     62K 
                Nonaccrual and Nonperforming Loans By Class Of                   
                Loans) (Details)                                                 
80: R66         Loans And Leases (Aging Of Recorded Investment In   HTML    115K 
                Past Due Loans By Class Of Loans) (Details)                      
81: R67         Loans And Leases (Nonaccrual Loans As Troubled      HTML     42K 
                Debt Restructuring) (Details)                                    
82: R68         Loans And Leases (Recorded Investment In Loans By   HTML    191K 
                Risk Category And Class Of Loans) (Details)                      
83: R69         Loans And Leases (Components Of Net Investment In   HTML     45K 
                Direct Financing Leases) (Details)                               
84: R70         Loans And Leases (Summary Of Future Minimum Lease   HTML     50K 
                Payments Receivable) (Details)                                   
85: R71         Foreclosed Assets (Narrative) (Details)             HTML     42K 
86: R72         Fair Value (Narrative) (Details)                    HTML     60K 
87: R73         Fair Value (Assets And Liabilities Measured At      HTML     81K 
                Fair Value On A Recurring Basis, Including                       
                Financial Assets And Liabilities) (Details)                      
88: R74         Fair Value (Assets Measured At Fair Value On A      HTML     48K 
                Non-Recurring Basis) (Details)                                   
89: R75         Fair Value (Financial Instruments Measured At Fair  HTML     52K 
                Value On A Non-Recurring Basis) (Details)                        
90: R76         Fair Value (Aggregate Fair Value, Contractual       HTML     40K 
                Balance And Gain Or Loss) (Details)                              
91: R77         Fair Value (Total Amount Of Gains And Losses From   HTML     44K 
                Changes In Fair Value Included In Earnings)                      
                (Details)                                                        
92: R78         Fair Value (Carrying Amounts And Estimated Fair     HTML    116K 
                Values Of Financial Instruments) (Details)                       
93: R79         Loan Servicing (Narrative) (Details)                HTML     39K 
94: R80         Loan Servicing (Principal Balances Of Mortgage      HTML     38K 
                Loans At Year-End) (Details)                                     
95: R81         Premises And Equipment And Operating Leases         HTML     48K 
                (Narrative) (Details)                                            
96: R82         Premises And Equipment And Operating Leases         HTML     51K 
                (Year-End Premises And Equipment) (Details)                      
97: R83         Premises And Equipment And Operating Leases         HTML     56K 
                (Future Minimum Operating Lease Payments)                        
                (Details)                                                        
98: R84         Deposits (Narrative) (Details)                      HTML     42K 
99: R85         Deposits (Scheduled Maturities Of Time Deposits)    HTML     49K 
                (Details)                                                        
100: R86         FHLB Advances And Other Debt (Narrative) (Details)  HTML     72K  
101: R87         FHLB Advances And Other Debt (Schedule Of FHLB      HTML     81K  
                Advances And Other Debt) (Details)                               
102: R88         FHLB Advances And Other Debt (Schedule Of Federal   HTML     53K  
                Home Loan Advances Pledged By Assets) (Details)                  
103: R89         FHLB Advances And Other Debt (FHLB Advances And     HTML     47K  
                Other Debt Outstanding Maturity Period) (Details)                
104: R90         FHLB Advances And Other Debt (Assets Pledged As     HTML     52K  
                Collateral With FRB) (Details)                                   
105: R91         Subordinated Debentures (Narrative) (Details)       HTML     82K  
106: R92         Benefit Plans (Narrative) (Details)                 HTML     79K  
107: R93         Income Taxes (Narrative) (Details)                  HTML     64K  
108: R94         Income Taxes (Income Tax Expense) (Details)         HTML     48K  
109: R95         Income Taxes (Effective Tax Rates Differ From       HTML     58K  
                Federal Statutory Rate) (Details)                                
110: R96         Income Taxes (Deferred Tax Assets and Liabilities)  HTML     70K  
                (Details)                                                        
111: R97         Related-Party Transactions (Narrative) (Details)    HTML     38K  
112: R98         Related-Party Transactions (Loans To Principal      HTML     44K  
                Officers, Directors And Affiliates) (Details)                    
113: R99         Stock-Based Compensation (Narrative) (Details)      HTML     98K  
114: R100        Stock-Based Compensation (Summary Of Stock Option   HTML     55K  
                Activity) (Details)                                              
115: R101        Stock-Based Compensation (Summary Of Changes In     HTML     57K  
                Company's Nonvested Restricted Shares) (Details)                 
116: R102        Regulatory Capital Matters (Narrative) (Details)    HTML     54K  
117: R103        Regulatory Capital Matters (Actual And Required     HTML     91K  
                Capital Amounts And Ratios Of CFBank) (Details)                  
118: R104        Derivative Instruments (Narrative) (Details)        HTML     67K  
119: R105        Derivative Instruments (Summary Of Derivative       HTML     64K  
                Instruments) (Details)                                           
120: R106        Derivative Instruments (Schedule Of Mortgage        HTML     60K  
                Banking Derivatives) (Details)                                   
121: R107        Derivative Instruments (Schedule Of Notional        HTML     38K  
                Amount Of Loans Sold) (Details)                                  
122: R108        Derivative Instruments (Schedule Of Revenue         HTML     46K  
                Recognized On Mortgage Activities) (Details)                     
123: R109        Loan Commitments And Other Related Activities       HTML     51K  
                (Narrative) (Details)                                            
124: R110        Loan Commitments And Other Related Activities       HTML     47K  
                (Contractual Amounts Of Financial Instruments With               
                Off-Balance-Sheet Risk) (Details)                                
125: R111        Parent Company Only Condensed Financial             HTML     82K  
                Information (Condensed Balance Sheets) (Details)                 
126: R112        Parent Company Only Condensed Financial             HTML     83K  
                Information (Condensed Statements Of Operations)                 
                (Details)                                                        
127: R113        Parent Company Only Condensed Financial             HTML     98K  
                Information (Condensed Statements Of Cash Flows)                 
                (Details)                                                        
128: R114        Earnings Per Common Share (Narrative) (Details)     HTML     39K  
129: R115        Earnings Per Common Share (Computation Of Earnings  HTML     93K  
                Per Share) (Details)                                             
130: R116        Accumulated Other Comprehensive Income (Loss)       HTML     58K  
                (Schedule Of Changes In Accumulated Other                        
                Comprehensive Income (Loss)) (Details)                           
131: R117        Branch Sale (Narrative) (Details)                   HTML     43K  
132: R118        Other Assets Held For Sale (Narrative) (Details)    HTML     41K  
133: R119        Subsequent Event (Narrative) (Details)              HTML     46K  
134: R120        Insider Trading Arrangements                        HTML     42K  
136: XML         IDEA XML File -- Filing Summary                      XML    272K  
139: XML         XBRL Instance -- cfbk-20231231x10k_htm               XML  11.74M  
135: EXCEL       IDEA Workbook of Financial Report Info              XLSX    286K  
11: EX-101.CAL  XBRL Calculations -- cfbk-20231231_cal               XML    400K 
12: EX-101.DEF  XBRL Definitions -- cfbk-20231231_def                XML   1.25M 
13: EX-101.LAB  XBRL Labels -- cfbk-20231231_lab                     XML   2.18M 
14: EX-101.PRE  XBRL Presentations -- cfbk-20231231_pre              XML   1.97M 
10: EX-101.SCH  XBRL Schema -- cfbk-20231231                         XSD    306K 
137: JSON        XBRL Instance as JSON Data -- MetaLinks              827±  1.29M  
138: ZIP         XBRL Zipped Folder -- 0001070680-24-000006-xbrl      Zip    794K  


‘EX-23.1’   —   Consent of Expert or Counsel


This Exhibit is an HTML Document rendered as filed.  [ Alternative Formats ]



 C: 
  Exhibit 231  

Exhibit 23.1

 

Consent of Independent Registered Public Accounting Firm





We consent to the incorporation by reference in the Registration Statements of CF Bankshares Inc. (the “Company”) on Form S-8 (File Nos. 333-84817, 333-114025, 333-163102, 333-207354 and 333-234817), and Form S-3 (File Nos. 333-216922, 333-221607, 333-110218, 333-124323 and 333-156564) of our report dated March 28, 2024, on our audits of the consolidated financial statements of the Company as of December 31, 2023 and 2022, and for each of the three years in the period ended December 31, 2023, which report is included in this Annual Report on Form 10-K.

/s/ FORVIS, LLP

FORVIS, LLP



Indianapolis, Indiana

March 28, 2024







Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘10-K’ Filing    Date    Other Filings
Filed as of:3/29/24
Filed on:3/28/24
For Period end:12/31/23
12/31/2210-K
 List all Filings 


1 Subsequent Filing that References this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/15/24  CF Bankshares Inc.                S-3                    6:1.1M                                   Donnelley … Solutions/FA


24 Previous Filings that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/06/24  CF Bankshares Inc.                8-K:3,5,9   2/05/24   11:205K                                   Donnelley … Solutions/FA
 3/31/23  CF Bankshares Inc.                10-K       12/31/22  139:37M
 1/27/23  CF Bankshares Inc.                8-K:5,9     1/25/23   12:279K                                   Donnelley … Solutions/FA
 8/12/20  CF Bankshares Inc.                10-Q        6/30/20   95:18M
 7/28/20  CF Bankshares Inc.                8-K:2,5,8,9 7/28/20    4:1M
 6/02/20  CF Bankshares Inc.                8-K:5,9     6/02/20    2:131K
 3/16/20  CF Bankshares Inc.                10-K       12/31/19  139:20M
10/31/19  CF Bankshares Inc.                8-K:1,3,5,910/25/19    4:845K                                   Donnelley … Solutions/FA
 4/26/19  CF Bankshares Inc.                DEF 14A     4/26/19    1:1.2M
 4/26/19  CF Bankshares Inc.                8-K:5,9     4/26/19    3:269K
12/21/18  CF Bankshares Inc.                8-K:2      12/20/18    3:486K
 8/20/18  CF Bankshares Inc.                8-K:5,8,9   8/20/18    3:45K                                    Donnelley … Solutions/FA
11/09/17  CF Bankshares Inc.                10-Q        9/30/17   88:17M
 8/16/16  CF Bankshares Inc.                8-K:5,9     8/16/16    4:379K
 5/13/14  CF Bankshares Inc.                8-K:1,3,5,9 5/13/14    5:549K
 4/11/13  CF Bankshares Inc.                DEF 14A     5/16/13    1:512K                                   Donnelley … Solutions/FA
 4/01/13  CF Bankshares Inc.                10-K       12/31/12  142:17M                                    Donnelley … Solutions/FA
 5/04/12  CF Bankshares Inc.                POS AM                12:1M                                     Donnelley … Solutions/FA
11/10/11  CF Bankshares Inc.                10-Q        9/30/11   37:3.7M                                   Donnelley … Solutions/FA
 8/14/09  CF Bankshares Inc.                10-Q        6/30/09    6:373K                                   Donnelley … Solutions/FA
 3/31/09  CF Bankshares Inc.                DEF 14A     5/21/09    1:465K                                   Bowne BCL/FA
 3/27/08  CF Bankshares Inc.                10-K       12/31/07    9:1M                                     Bowne BCL/FA
10/28/05  CF Bankshares Inc.                S-2                    8:1.8M                                   Bowne BCL/FA
 9/23/98  CF Bankshares Inc.                SB-2                  22:1.1M                                   Donnelley Fin’l S… 09/FA
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Filing Submission 0001070680-24-000006   –   Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

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