Call reports 2015
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 168,343,000 | 170,097,000 | 166,900,000 | 167,324,000 |
| Total loans | 78,440,000 | 75,778,000 | 73,468,000 | 71,506,000 |
| Allowance for loan losses | 1,698,000 | 1,709,000 | 1,726,000 | 1,747,000 |
| Securities available for sale | 38,569,000 | 38,744,000 | 38,840,000 | 40,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,095,000 | 153,067,000 | 149,877,000 | 150,339,000 |
| Interest-bearing deposits | 148,164,000 | 148,910,000 | 146,786,000 | 146,238,000 |
| Noninterest-bearing deposits | 2,931,000 | 4,157,000 | 3,091,000 | 4,101,000 |
| Equity capital | 16,666,000 | 16,436,000 | 16,544,000 | 16,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,658,000 | 3,946,000 | 5,204,000 |
| Interest expense | 222,000 | 444,000 | 665,000 | 873,000 |
| Net interest income | 1,119,000 | 2,214,000 | 3,281,000 | 4,331,000 |
| Noninterest income | 102,000 | 250,000 | 433,000 | 530,000 |
| Noninterest expense | 1,231,000 | 2,517,000 | 3,748,000 | 4,987,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -10,000 | -24,000 | -5,000 | -88,000 |
| Income tax | 5,000 | 10,000 | -7,000 | -7,000 |
| Net income | -15,000 | -34,000 | 2,000 | -81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,489,000 | 16,480,000 | 16,516,000 | 16,432,000 |
| Total capital | 17,448,000 | 17,421,000 | 17,432,000 | 17,339,000 |
| Risk-weighted assets | 76,022,000 | 74,520,000 | 72,431,000 | 71,751,000 |