Call reports 2015
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 63,800,000 | 62,445,000 | 61,788,000 | 80,903,000 |
| Total loans | 50,025,000 | 49,885,000 | 49,019,000 | 50,140,000 |
| Allowance for loan losses | 329,000 | 278,000 | 261,000 | 261,000 |
| Securities available for sale | 35,000 | 33,000 | 442,000 | 436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,036,000 | 48,650,000 | 48,073,000 | 66,631,000 |
| Interest-bearing deposits | 47,647,000 | 46,084,000 | 44,828,000 | 44,515,000 |
| Noninterest-bearing deposits | 2,389,000 | 2,566,000 | 3,245,000 | 22,116,000 |
| Equity capital | 13,676,000 | 13,677,000 | 13,654,000 | 13,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 636,000 | 1,221,000 | 1,796,000 | 2,370,000 |
| Interest expense | 119,000 | 235,000 | 350,000 | 461,000 |
| Net interest income | 517,000 | 986,000 | 1,446,000 | 1,909,000 |
| Noninterest income | 25,000 | 52,000 | 81,000 | 108,000 |
| Noninterest expense | 449,000 | 903,000 | 1,410,000 | 1,903,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 135,000 | 117,000 | 114,000 |
| Income tax | 12,000 | 52,000 | 45,000 | 44,000 |
| Net income | 81,000 | 83,000 | 72,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,574,000 | 13,576,000 | 13,546,000 | 13,552,000 |
| Total capital | 13,903,000 | 13,854,000 | 13,807,000 | 13,813,000 |
| Risk-weighted assets | 36,546,000 | 35,330,000 | 35,230,000 | 37,082,000 |