Call reports 2016
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 81,362,000 | 73,644,000 | 74,291,000 | 73,872,000 |
| Total loans | 50,862,000 | 48,418,000 | 49,691,000 | 49,493,000 |
| Allowance for loan losses | 260,000 | 261,000 | 262,000 | 262,000 |
| Securities available for sale | 6,503,000 | 7,471,000 | 7,115,000 | 6,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,663,000 | 51,816,000 | 52,370,000 | 52,041,000 |
| Interest-bearing deposits | 42,498,000 | 43,102,000 | 42,921,000 | 42,746,000 |
| Noninterest-bearing deposits | 17,165,000 | 8,714,000 | 9,449,000 | 9,295,000 |
| Equity capital | 21,566,000 | 20,312,000 | 20,368,000 | 20,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 611,000 | 1,219,000 | 1,889,000 | 2,446,000 |
| Interest expense | 96,000 | 209,000 | 309,000 | 407,000 |
| Net interest income | 515,000 | 1,010,000 | 1,580,000 | 2,039,000 |
| Noninterest income | 53,000 | 93,000 | 78,000 | 118,000 |
| Noninterest expense | 604,000 | 1,037,000 | 1,554,000 | 2,013,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -36,000 | 66,000 | 104,000 | 144,000 |
| Income tax | -9,000 | 0 | 0 | 23,000 |
| Net income | -27,000 | 66,000 | 104,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,481,000 | 20,312,000 | 20,368,000 | 20,380,000 |
| Total capital | 21,741,000 | 20,573,000 | 20,630,000 | 20,642,000 |
| Risk-weighted assets | 38,366,000 | 40,636,000 | 41,007,000 | 38,526,000 |