Communities First Financial Corporation (CFST) 2023年年度报告「OTC」.pdf

1、Annual ReportBANCORP2023 FFB BANCORPCONSOLIDATED FINANCIAL STATEMENTSDecember 31,2023,and 2022This page intentionally left blank.FFB BANCORPCONSOLIDATED FINANCIAL STATEMENTSDecember 31,2023,and 2022CONTENTSINDEPENDENT AUDITORS REPORT .1CONSOLIDATED FINANCIAL STATEMENTS:CONSOLIDATED BALANCE SHEETS .3

2、CONSOLIDATED STATEMENTS OF INCOME .4CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME .5CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS EQUITY .6CONSOLIDATED STATEMENTS OF CASH FLOWS.7NOTES TO CONSOLIDATED FINANCIAL STATEMENTS .9Crowe LLP Independent Member Crowe Global (Continued)1.INDEPENDENT AUD

3、ITORS REPORT To the Shareholders and Board of Directors FFB BancorpFresno,California Report on the Audit of the Financial Statements Opinion We have audited the consolidated financial statements of FFB Bancorp,which comprise the consolidated balance sheets as of December 31,2023 and 2022,and the rel

4、ated consolidated statements of income,comprehensive income,changes in shareholders equity,and cash flows for each of the years in the three-year period ended December 31,2023,and the related notes to the financial statements.In our opinion,the accompanying consolidated financial statements present

5、fairly,in all material respects,the financial position of FFB Bancorp as of December 31,2023 and 2022,and the results of its operations and its cash flows for each of the years in the three-year period ended December 31,2023 in accordance with accounting principles generally accepted in the United S

6、tates of America.We also have audited,in accordance with auditing standards generally accepted in the United States of America,FFB Bancorps internal control over financial reporting as of December 31,2023,based on criteria established in the Internal ControlIntegrated Framework(2013),issued by the C