Call reports 2019
CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION — 2019
What CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 69,383,000 | 70,084,000 | 69,273,000 | 70,312,000 |
| Total loans | 58,443,000 | 57,144,000 | 53,472,000 | 52,232,000 |
| Allowance for loan losses | 284,000 | 291,000 | 293,000 | 293,000 |
| Securities available for sale | 5,034,000 | 4,943,000 | 4,719,000 | 4,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,187,000 | 47,769,000 | 46,847,000 | 47,886,000 |
| Interest-bearing deposits | 41,364,000 | 41,327,000 | 40,833,000 | 40,085,000 |
| Noninterest-bearing deposits | 5,823,000 | 6,442,000 | 6,014,000 | 7,801,000 |
| Equity capital | 20,798,000 | 20,945,000 | 21,016,000 | 21,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 707,000 | 1,427,000 | 2,139,000 | 2,814,000 |
| Interest expense | 113,000 | 229,000 | 350,000 | 467,000 |
| Net interest income | 594,000 | 1,198,000 | 1,789,000 | 2,347,000 |
| Noninterest income | 18,000 | 56,000 | 91,000 | 135,000 |
| Noninterest expense | 560,000 | 1,133,000 | 1,703,000 | 2,223,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 67,000 | 132,000 | 187,000 | 269,000 |
| Income tax | 17,000 | 37,000 | 57,000 | 84,000 |
| Net income | 50,000 | 95,000 | 130,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,917,000 | 20,981,000 | 21,036,000 | 21,111,000 |
| Total capital | 21,201,000 | 21,272,000 | 21,329,000 | 21,404,000 |
| Risk-weighted assets | 50,467,000 | 50,934,000 | 48,146,000 | 47,712,000 |
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