Call reports 2014
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 64,516,000 | 65,393,000 | 65,065,000 | 63,951,000 |
| Total loans | 52,921,000 | 52,861,000 | 52,699,000 | 52,532,000 |
| Allowance for loan losses | 408,000 | 408,000 | 408,000 | 383,000 |
| Securities available for sale | 54,000 | 59,000 | 43,000 | 32,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,962,000 | 51,791,000 | 51,414,000 | 50,299,000 |
| Interest-bearing deposits | 48,582,000 | 48,084,000 | 47,275,000 | 47,132,000 |
| Noninterest-bearing deposits | 2,380,000 | 3,707,000 | 4,139,000 | 3,167,000 |
| Equity capital | 13,479,000 | 13,523,000 | 13,551,000 | 13,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,229,000 | 1,843,000 | 2,465,000 |
| Interest expense | 125,000 | 250,000 | 372,000 | 494,000 |
| Net interest income | 490,000 | 979,000 | 1,471,000 | 1,971,000 |
| Noninterest income | 25,000 | 56,000 | 82,000 | 112,000 |
| Noninterest expense | 456,000 | 913,000 | 1,372,000 | 1,844,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | -1,000 | 62,000 | 121,000 | 179,000 |
| Income tax | 21,000 | 44,000 | 65,000 | 74,000 |
| Net income | -22,000 | 18,000 | 56,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,454,000 | 13,495,000 | 13,533,000 | 13,582,000 |
| Total capital | 13,879,000 | 13,923,000 | 13,954,000 | 13,978,000 |
| Risk-weighted assets | 41,532,000 | 41,691,000 | 40,849,000 | 39,982,000 |
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