Call reports 2014
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 170,637,000 | 170,978,000 | 167,320,000 | 169,676,000 |
| Total loans | 87,473,000 | 85,945,000 | 83,083,000 | 80,462,000 |
| Allowance for loan losses | 2,171,000 | 2,254,000 | 2,062,000 | 1,671,000 |
| Securities available for sale | 28,170,000 | 33,191,000 | 33,002,000 | 33,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,901,000 | 153,985,000 | 150,368,000 | 152,413,000 |
| Interest-bearing deposits | 150,924,000 | 150,025,000 | 147,363,000 | 148,627,000 |
| Noninterest-bearing deposits | 2,977,000 | 3,960,000 | 3,005,000 | 3,786,000 |
| Equity capital | 16,063,000 | 16,343,000 | 16,358,000 | 16,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 2,823,000 | 4,226,000 | 5,572,000 |
| Interest expense | 226,000 | 448,000 | 669,000 | 892,000 |
| Net interest income | 1,182,000 | 2,375,000 | 3,557,000 | 4,680,000 |
| Noninterest income | 363,000 | 505,000 | 592,000 | 779,000 |
| Noninterest expense | 1,359,000 | 2,589,000 | 3,722,000 | 4,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 331,000 | 467,000 | 630,000 |
| Income tax | 0 | 0 | 16,000 | 23,000 |
| Net income | 186,000 | 331,000 | 451,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,987,000 | 16,234,000 | 16,356,000 | 16,508,000 |
| Total capital | 17,015,000 | 17,265,000 | 17,241,000 | 17,475,000 |
| Risk-weighted assets | 81,186,000 | 81,260,000 | 77,662,000 | 76,675,000 |