Call reports 2016
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 166,185,000 | 168,405,000 | 173,662,000 | 181,669,000 |
| Total loans | 84,390,000 | 83,195,000 | 94,026,000 | 103,753,000 |
| Allowance for loan losses | 1,748,000 | 1,573,000 | 1,647,000 | 1,451,000 |
| Securities available for sale | 36,605,000 | 35,200,000 | 33,185,000 | 29,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,129,000 | 150,836,000 | 149,592,000 | 151,985,000 |
| Interest-bearing deposits | 145,881,000 | 147,009,000 | 146,465,000 | 147,876,000 |
| Noninterest-bearing deposits | 3,248,000 | 3,827,000 | 3,127,000 | 4,109,000 |
| Equity capital | 16,531,000 | 16,899,000 | 16,914,000 | 16,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,605,000 | 3,979,000 | 5,354,000 |
| Interest expense | 198,000 | 400,000 | 616,000 | 838,000 |
| Net interest income | 1,103,000 | 2,205,000 | 3,363,000 | 4,516,000 |
| Noninterest income | 125,000 | 215,000 | 298,000 | 331,000 |
| Noninterest expense | 1,242,000 | 2,427,000 | 3,605,000 | 4,707,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -400,000 |
| Pretax income | -14,000 | 187,000 | 248,000 | 532,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | 187,000 | 248,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,418,000 | 16,619,000 | 16,679,000 | 16,961,000 |
| Total capital | 17,483,000 | 17,643,000 | 17,826,000 | 18,208,000 |
| Risk-weighted assets | 84,482,000 | 81,353,000 | 91,266,000 | 99,593,000 |