Call reports 2023
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2023
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 186,785,000 | 185,364,000 | 199,109,000 | 199,157,000 |
| Total loans | 113,553,000 | 111,584,000 | 127,853,000 | 135,019,000 |
| Allowance for loan losses | 1,277,000 | 1,282,000 | 1,478,000 | 1,480,000 |
| Securities available for sale | 47,169,000 | 45,413,000 | 44,002,000 | 43,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,250,000 | 154,157,000 | 166,373,000 | 166,035,000 |
| Interest-bearing deposits | 137,861,000 | 137,778,000 | 148,786,000 | 149,609,000 |
| Noninterest-bearing deposits | 16,389,000 | 16,379,000 | 17,587,000 | 16,426,000 |
| Equity capital | 17,609,000 | 17,642,000 | 17,195,000 | 17,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,688,000 | 3,516,000 | 5,388,000 | 7,564,000 |
| Interest expense | 323,000 | 824,000 | 1,428,000 | 2,296,000 |
| Net interest income | 1,365,000 | 2,692,000 | 3,960,000 | 5,268,000 |
| Noninterest income | 29,000 | 57,000 | 86,000 | 111,000 |
| Noninterest expense | 1,280,000 | 2,458,000 | 3,703,000 | 4,918,000 |
| Provision for loan losses | 0 | 0 | 195,000 | 195,000 |
| Pretax income | 114,000 | 291,000 | 148,000 | 266,000 |
| Income tax | 23,000 | 65,000 | 75,000 | 90,000 |
| Net income | 91,000 | 226,000 | 73,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,156,000 | 20,290,000 | 20,139,000 | 20,239,000 |