Call reports 2013
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 174,108,000 | 174,584,000 | 172,211,000 | 171,809,000 |
| Total loans | 96,423,000 | 93,261,000 | 92,384,000 | 90,570,000 |
| Allowance for loan losses | 2,340,000 | 2,305,000 | 2,303,000 | 2,222,000 |
| Securities available for sale | 18,870,000 | 25,525,000 | 24,318,000 | 26,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,247,000 | 158,103,000 | 155,983,000 | 155,332,000 |
| Interest-bearing deposits | 153,037,000 | 154,046,000 | 152,447,000 | 151,520,000 |
| Noninterest-bearing deposits | 3,210,000 | 4,057,000 | 3,536,000 | 3,812,000 |
| Equity capital | 16,270,000 | 15,798,000 | 15,688,000 | 15,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 2,968,000 | 4,457,000 | 5,920,000 |
| Interest expense | 259,000 | 514,000 | 755,000 | 992,000 |
| Net interest income | 1,235,000 | 2,454,000 | 3,702,000 | 4,928,000 |
| Noninterest income | -23,000 | 128,000 | 258,000 | 415,000 |
| Noninterest expense | 1,287,000 | 2,523,000 | 3,699,000 | 4,872,000 |
| Provision for loan losses | 480,000 | 704,000 | 756,000 | 756,000 |
| Pretax income | -555,000 | -645,000 | -495,000 | -285,000 |
| Income tax | 0 | 130,000 | 212,000 | 212,000 |
| Net income | -555,000 | -775,000 | -707,000 | -497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,850,000 | 15,630,000 | 15,693,000 | 15,856,000 |
| Total capital | 16,889,000 | 16,716,000 | 16,769,000 | 16,902,000 |
| Risk-weighted assets | 96,284,000 | 84,889,000 | 84,233,000 | 82,578,000 |