Call reports 2020
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2020
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 190,234,000 | 192,056,000 | 191,652,000 | 196,159,000 |
| Total loans | 123,192,000 | 112,685,000 | 119,424,000 | 109,819,000 |
| Allowance for loan losses | 1,120,000 | 1,120,000 | 1,120,000 | 1,229,000 |
| Securities available for sale | 20,584,000 | 27,004,000 | 24,132,000 | 26,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,383,000 | 156,015,000 | 155,380,000 | 161,052,000 |
| Interest-bearing deposits | 141,438,000 | 143,957,000 | 143,627,000 | 148,077,000 |
| Noninterest-bearing deposits | 9,945,000 | 12,058,000 | 11,753,000 | 12,975,000 |
| Equity capital | 19,288,000 | 19,628,000 | 19,757,000 | 19,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,689,000 | 3,237,000 | 4,688,000 | 6,151,000 |
| Interest expense | 475,000 | 897,000 | 1,247,000 | 1,533,000 |
| Net interest income | 1,214,000 | 2,340,000 | 3,441,000 | 4,618,000 |
| Noninterest income | 108,000 | 158,000 | 340,000 | 495,000 |
| Noninterest expense | 1,209,000 | 2,390,000 | 3,574,000 | 4,827,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 136,000 | 235,000 | 314,000 |
| Income tax | 11,000 | -1,000 | 0 | 92,000 |
| Net income | 130,000 | 137,000 | 235,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,035,000 | 19,042,000 | 19,140,000 | 19,361,000 |