Call reports 2017
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2017
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 72,932,000 | 70,525,000 | 68,722,000 | 67,916,000 |
| Total loans | 50,372,000 | 51,569,000 | 52,601,000 | 52,210,000 |
| Allowance for loan losses | 263,000 | 264,000 | 264,000 | 273,000 |
| Securities available for sale | 7,034,000 | 6,863,000 | 6,500,000 | 6,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,187,000 | 48,659,000 | 46,841,000 | 46,024,000 |
| Interest-bearing deposits | 41,929,000 | 39,450,000 | 38,723,000 | 38,455,000 |
| Noninterest-bearing deposits | 9,258,000 | 9,209,000 | 8,118,000 | 7,569,000 |
| Equity capital | 20,305,000 | 20,433,000 | 20,436,000 | 20,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,242,000 | 1,860,000 | 2,495,000 |
| Interest expense | 93,000 | 178,000 | 258,000 | 335,000 |
| Net interest income | 519,000 | 1,064,000 | 1,602,000 | 2,160,000 |
| Noninterest income | 36,000 | 80,000 | 104,000 | 137,000 |
| Noninterest expense | 506,000 | 1,049,000 | 1,587,000 | 2,093,000 |
| Provision for loan losses | 0 | 0 | 0 | 9,000 |
| Pretax income | 49,000 | 95,000 | 119,000 | 195,000 |
| Income tax | 16,000 | 20,000 | 35,000 | 68,000 |
| Net income | 33,000 | 75,000 | 84,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,462,000 | 20,495,000 | 20,519,000 | 20,597,000 |
| Total capital | 20,725,000 | 20,697,000 | 20,700,000 | 20,759,000 |
| Risk-weighted assets | 39,477,000 | 56,886,000 | 40,526,000 | 40,330,000 |