Call reports 2022
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2022
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 196,166,000 | 196,274,000 | 192,470,000 | 184,656,000 |
| Total loans | 110,710,000 | 112,927,000 | 113,605,000 | 114,379,000 |
| Allowance for loan losses | 1,120,000 | 1,120,000 | 1,123,000 | 1,274,000 |
| Securities available for sale | 53,135,000 | 54,350,000 | 50,279,000 | 48,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,147,000 | 168,278,000 | 166,970,000 | 157,114,000 |
| Interest-bearing deposits | 152,712,000 | 150,785,000 | 147,643,000 | 139,410,000 |
| Noninterest-bearing deposits | 14,435,000 | 17,493,000 | 19,327,000 | 17,704,000 |
| Equity capital | 18,454,000 | 17,375,000 | 16,980,000 | 17,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,790,000 | 4,384,000 | 6,057,000 |
| Interest expense | 137,000 | 265,000 | 386,000 | 543,000 |
| Net interest income | 1,215,000 | 2,525,000 | 3,998,000 | 5,514,000 |
| Noninterest income | 50,000 | 86,000 | 130,000 | 167,000 |
| Noninterest expense | 1,263,000 | 2,471,000 | 3,668,000 | 4,843,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,000 | 140,000 | 460,000 | 838,000 |
| Income tax | 30,000 | 45,000 | 129,000 | 391,000 |
| Net income | -28,000 | 95,000 | 331,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,697,000 | 19,821,000 | 20,056,000 | 20,065,000 |