Call reports 2025
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 194,039,000 | 197,046,000 | 192,606,000 | 193,794,000 |
| Total loans | 132,226,000 | 133,864,000 | 138,551,000 | 139,398,000 |
| Allowance for loan losses | 1,488,000 | 1,491,000 | 1,495,000 | 1,497,000 |
| Securities available for sale | 35,548,000 | 32,443,000 | 31,846,000 | 29,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,828,000 | 169,070,000 | 168,716,000 | 170,172,000 |
| Interest-bearing deposits | 151,380,000 | 153,277,000 | 152,977,000 | 154,537,000 |
| Noninterest-bearing deposits | 14,448,000 | 15,793,000 | 15,739,000 | 15,635,000 |
| Equity capital | 18,475,000 | 18,556,000 | 18,849,000 | 19,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,280,000 | 6,522,000 | 8,734,000 |
| Interest expense | 996,000 | 1,965,000 | 2,942,000 | 3,861,000 |
| Net interest income | 1,135,000 | 2,315,000 | 3,580,000 | 4,873,000 |
| Noninterest income | 34,000 | 60,000 | 92,000 | 120,000 |
| Noninterest expense | 1,330,000 | 2,551,000 | 3,821,000 | 5,103,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -161,000 | -176,000 | -149,000 | -110,000 |
| Income tax | -52,000 | -64,000 | -60,000 | -55,000 |
| Net income | -109,000 | -112,000 | -89,000 | -55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,033,000 | 20,031,000 | 20,054,000 | 20,089,000 |