Call reports 2012
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 64,886,000 | 67,716,000 | 68,182,000 | 65,175,000 |
| Total loans | 55,676,000 | 56,692,000 | 55,749,000 | 57,241,000 |
| Allowance for loan losses | 311,000 | 350,000 | 373,000 | 355,000 |
| Securities available for sale | 5,000 | 4,000 | 4,000 | 4,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,795,000 | 54,519,000 | 54,916,000 | 51,844,000 |
| Interest-bearing deposits | 44,941,000 | 52,354,000 | 52,584,000 | 49,213,000 |
| Noninterest-bearing deposits | 6,854,000 | 2,165,000 | 2,332,000 | 2,631,000 |
| Equity capital | 13,028,000 | 13,105,000 | 13,153,000 | 13,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,472,000 | 2,200,000 | 2,921,000 |
| Interest expense | 159,000 | 323,000 | 492,000 | 650,000 |
| Net interest income | 585,000 | 1,149,000 | 1,708,000 | 2,271,000 |
| Noninterest income | 24,000 | 95,000 | 126,000 | 157,000 |
| Noninterest expense | 451,000 | 896,000 | 1,354,000 | 1,819,000 |
| Provision for loan losses | 207,000 | 247,000 | 287,000 | 287,000 |
| Pretax income | -49,000 | 101,000 | 193,000 | 322,000 |
| Income tax | -39,000 | 32,000 | 77,000 | 118,000 |
| Net income | -10,000 | 69,000 | 116,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,022,000 | 13,098,000 | 13,146,000 | 13,234,000 |
| Total capital | 13,333,000 | 13,448,000 | 13,519,000 | 13,589,000 |
| Risk-weighted assets | 43,045,000 | 43,992,000 | 43,096,000 | 42,819,000 |