Call reports 2012
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 184,307,000 | 182,811,000 | 175,707,000 | 174,433,000 |
| Total loans | 107,132,000 | 104,714,000 | 100,537,000 | 98,879,000 |
| Allowance for loan losses | 1,652,000 | 1,799,000 | 2,348,000 | 2,154,000 |
| Securities available for sale | 18,742,000 | 17,684,000 | 14,850,000 | 14,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,118,000 | 161,353,000 | 158,296,000 | 157,004,000 |
| Interest-bearing deposits | 157,875,000 | 157,270,000 | 154,745,000 | 153,063,000 |
| Noninterest-bearing deposits | 3,243,000 | 4,083,000 | 3,551,000 | 3,941,000 |
| Equity capital | 18,923,000 | 18,919,000 | 16,881,000 | 16,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,697,000 | 3,386,000 | 4,955,000 | 6,495,000 |
| Interest expense | 365,000 | 705,000 | 1,024,000 | 1,309,000 |
| Net interest income | 1,332,000 | 2,681,000 | 3,931,000 | 5,186,000 |
| Noninterest income | 204,000 | 382,000 | 502,000 | 527,000 |
| Noninterest expense | 1,260,000 | 2,359,000 | 3,547,000 | 4,727,000 |
| Provision for loan losses | 27,000 | 571,000 | 1,583,000 | 1,675,000 |
| Pretax income | 250,000 | 136,000 | -694,000 | -686,000 |
| Income tax | 33,000 | -22,000 | 1,174,000 | 1,195,000 |
| Net income | 217,000 | 158,000 | -1,868,000 | -1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,577,000 | 17,547,000 | 16,418,000 | 16,405,000 |
| Total capital | 18,674,000 | 18,628,000 | 17,464,000 | 17,446,000 |
| Risk-weighted assets | 87,191,000 | 85,756,000 | 82,921,000 | 82,085,000 |