Call reports 2021
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2021
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 198,023,000 | 201,376,000 | 198,210,000 | 200,384,000 |
| Total loans | 118,134,000 | 115,200,000 | 111,959,000 | 108,969,000 |
| Allowance for loan losses | 1,211,000 | 1,336,000 | 1,116,000 | 1,118,000 |
| Securities available for sale | 28,737,000 | 41,016,000 | 50,558,000 | 50,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,716,000 | 167,291,000 | 165,364,000 | 167,749,000 |
| Interest-bearing deposits | 150,211,000 | 152,734,000 | 150,807,000 | 151,424,000 |
| Noninterest-bearing deposits | 13,505,000 | 14,557,000 | 14,557,000 | 16,325,000 |
| Equity capital | 19,814,000 | 19,983,000 | 20,059,000 | 19,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,361,000 | 2,794,000 | 4,150,000 | 5,501,000 |
| Interest expense | 221,000 | 412,000 | 579,000 | 734,000 |
| Net interest income | 1,140,000 | 2,382,000 | 3,571,000 | 4,767,000 |
| Noninterest income | 64,000 | 114,000 | 170,000 | 207,000 |
| Noninterest expense | 1,226,000 | 2,406,000 | 3,597,000 | 4,748,000 |
| Provision for loan losses | 0 | 0 | -221,000 | -221,000 |
| Pretax income | -22,000 | 90,000 | 365,000 | 447,000 |
| Income tax | 0 | 2,000 | 7,000 | 141,000 |
| Net income | -22,000 | 88,000 | 358,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,398,000 | 19,450,000 | 19,722,000 | 19,725,000 |
| Total capital | 20,610,000 | — | — | — |
| Risk-weighted assets | 99,186,000 | — | — | — |