Call reports 2019
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2019
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 178,568,000 | 177,482,000 | 187,869,000 | 188,835,000 |
| Total loans | 111,216,000 | 112,666,000 | 127,514,000 | 125,858,000 |
| Allowance for loan losses | 1,120,000 | 1,120,000 | 1,120,000 | 1,120,000 |
| Securities available for sale | 22,674,000 | 22,438,000 | 19,740,000 | 19,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,208,000 | 149,997,000 | 147,827,000 | 149,965,000 |
| Interest-bearing deposits | 145,554,000 | 145,073,000 | 143,738,000 | 140,197,000 |
| Noninterest-bearing deposits | 4,654,000 | 4,924,000 | 4,089,000 | 9,768,000 |
| Equity capital | 18,825,000 | 19,105,000 | 19,173,000 | 19,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,640,000 | 3,193,000 | 4,827,000 | 6,532,000 |
| Interest expense | 397,000 | 826,000 | 1,309,000 | 1,803,000 |
| Net interest income | 1,243,000 | 2,367,000 | 3,518,000 | 4,729,000 |
| Noninterest income | 70,000 | 132,000 | 198,000 | 222,000 |
| Noninterest expense | 1,250,000 | 2,406,000 | 3,595,000 | 4,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 93,000 | 122,000 | 177,000 |
| Income tax | 0 | 0 | 0 | 40,000 |
| Net income | 63,000 | 93,000 | 122,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,124,000 | 19,154,000 | 19,183,000 | 18,906,000 |
| Total capital | 20,147,000 | 20,204,000 | 20,304,000 | 20,027,000 |
| Risk-weighted assets | 81,809,000 | 83,953,000 | 99,375,000 | 96,401,000 |