Central federal corp (CFBK)
Balance Sheet / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
ASSETS
Cash and cash equivalents

-

-

37,299

34,323

95,993

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash and cash equivalents

75,352

45,879

-

-

-

67,304

59,368

32,739

70,396

45,498

27,956

34,199

24,307

57,941

52,302

13,007

24,779

25,895

20,101

28,293

23,894

28,207

30,184

18,881

21,578

19,160

46,785

33,197

14,406

25,152

65,147

55,209

63,284

61,436

63,816

60,436

34,275

Interest-bearing deposits in other financial institutions

100

100

-

-

-

100

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest-bearing deposits in other financial institutions

-

-

100

100

100

-

100

100

100

100

100

100

100

100

100

100

0

-

494

494

494

494

742

1,486

1,486

1,982

1,982

2,726

2,726

2,726

1,984

1,984

1,984

1,984

1,984

-

0

Securities available for sale

11,390

8,174

9,183

10,189

9,144

10,114

11,064

11,614

11,185

11,773

11,878

12,925

14,007

14,058

9,226

9,329

9,372

9,368

11,573

9,135

9,385

10,445

8,143

8,635

9,074

9,672

10,544

12,155

14,493

17,639

14,300

17,312

18,108

18,516

20,024

27,333

28,798

Loans held for sale, at fair value

115,197

135,711

82,382

52,184

27,920

17,385

24,079

26,424

8,863

1,124

3,509

649

830

2,812

2,466

2,736

1,598

889

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale, at fair value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

673

1,992

2,412

3,505

5,861

3,259

4,090

3,285

4,856

629

2,135

623

2,571

1,573

833

1,210

2,262

1,810

1,953

Loans and leases, net of allowance of $7,073 and $7,138

707,868

663,303

630,459

598,695

564,556

550,683

493,529

470,557

422,495

406,406

387,749

365,849

360,974

346,125

329,376

324,364

300,479

297,064

283,434

284,160

266,259

257,085

248,168

247,675

208,902

207,141

170,325

179,877

166,799

153,043

122,940

132,352

140,282

151,160

158,496

171,482

190,767

FHLB and FRB stock

4,510

4,008

-

-

-

3,476

-

-

-

3,227

-

-

-

1,942

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FHLB and FRB stock

-

-

3,969

3,816

3,816

-

3,476

3,251

3,251

-

3,227

3,186

3,186

-

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

1,942

Loan servicing rights

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

29

31

35

-

37

47

57

Foreclosed assets, net

-

-

-

-

-

38

-

-

-

-

-

-

204

204

-

-

1,636

1,636

1,636

1,636

1,636

1,636

1,636

1,636

1,636

1,636

1,464

1,538

1,464

1,525

1,572

2,345

2,453

2,370

2,370

2,370

4,509

Premises and equipment, net

4,040

3,991

4,052

4,032

3,875

3,864

3,723

3,678

3,584

3,533

3,572

3,394

3,409

3,429

3,494

3,530

3,561

3,609

3,657

3,691

3,731

3,775

3,823

3,839

3,753

3,547

3,451

5,252

5,269

5,317

5,369

5,423

5,485

5,534

5,758

5,851

6,016

Operating lease right-of-use assets

1,685

1,780

1,874

1,967

2,057

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Assets held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,070

167

167

167

167

167

167

167

0

0

535

Other intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

20

30

40

49

59

69

79

89

99

109

129

Bank owned life insurance

5,381

5,345

5,309

5,272

5,237

5,203

5,168

5,133

5,098

5,065

5,030

4,997

4,963

4,930

4,896

4,863

4,830

4,797

4,763

4,730

4,697

4,665

4,633

4,600

4,567

4,535

4,503

4,470

4,437

4,405

4,371

4,338

4,306

4,273

4,239

4,208

4,143

Accrued interest receivable and other assets

19,842

12,254

11,810

10,415

7,781

6,858

5,872

5,433

4,955

4,699

5,880

6,310

4,481

4,571

4,592

4,882

5,154

6,093

3,169

3,240

3,472

3,834

2,498

2,504

1,961

2,848

2,450

2,631

2,561

2,447

1,680

2,870

2,482

2,239

4,361

2,202

2,108

Total assets

945,365

880,545

786,437

720,993

720,479

665,025

606,379

558,929

529,927

481,425

448,901

431,609

416,461

436,112

408,394

364,753

353,351

351,293

331,442

339,313

317,922

315,588

307,630

294,457

258,989

255,748

250,392

244,614

216,439

215,035

222,131

225,615

241,440

250,920

265,388

277,790

275,232

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits
Noninterest bearing

104,322

115,530

110,378

106,716

130,563

111,445

91,083

99,579

91,359

89,588

76,445

85,129

72,001

72,779

53,515

37,182

37,266

42,926

29,664

31,549

28,310

37,035

33,012

30,215

30,772

27,652

24,795

23,536

15,451

18,008

17,015

15,042

18,343

18,409

20,116

19,638

20,392

Interest bearing

644,183

630,793

575,569

521,870

501,266

468,341

440,979

388,546

369,686

329,440

304,508

284,182

276,244

302,585

292,339

258,846

255,168

247,541

244,150

250,500

232,428

221,280

217,951

212,506

184,916

180,657

185,881

181,143

153,279

155,500

162,563

183,310

189,529

198,640

206,628

218,585

206,989

Total deposits

748,505

746,323

685,947

628,586

631,829

579,786

532,062

488,125

461,045

419,028

380,953

369,311

348,245

375,364

345,854

296,028

292,434

290,467

273,814

282,049

260,738

258,315

250,963

242,721

215,688

208,309

210,676

204,679

168,730

173,508

179,578

198,352

207,872

217,049

226,744

238,223

227,381

FHLB advances and other debt

82,594

29,017

22,500

18,500

18,500

19,500

21,500

19,500

19,500

13,500

19,000

13,500

21,500

13,500

15,500

22,500

14,500

14,500

14,500

14,500

14,500

14,500

14,500

13,000

13,000

10,000

10,000

10,000

15,955

10,000

10,000

10,000

15,742

15,742

15,742

18,742

23,942

Other secured borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,526

-

-

1,000

-

-

-

-

-

-

-

-

Advances by borrowers for taxes and insurance

636

929

509

340

398

827

449

225

236

489

182

104

132

408

349

198

353

656

311

280

301

401

212

168

137

575

174

187

174

241

125

55

124

159

49

79

213

Operating lease liabilities

1,856

1,960

2,062

2,163

2,261

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest payable and other liabilities

14,078

6,846

6,741

5,698

5,081

4,586

3,626

3,480

2,889

2,992

3,061

3,543

1,860

2,393

2,415

2,078

2,369

2,203

2,537

2,383

2,574

2,708

2,443

4,240

2,309

2,319

2,428

2,285

2,557

2,488

2,911

3,771

3,326

2,871

6,267

3,309

2,552

Subordinated debentures

14,815

14,806

14,796

14,786

14,776

14,767

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

5,155

Total liabilities

862,484

799,881

732,555

670,073

672,845

619,466

562,792

516,485

488,825

441,164

408,351

391,613

376,892

396,820

369,273

325,959

314,811

312,981

296,317

304,367

283,268

281,079

273,273

265,284

236,289

232,884

228,433

222,306

193,571

191,392

197,769

217,333

232,219

240,976

253,957

265,508

259,243

Commitments and contingent liabilities

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

-

0

-

-

-

0

-

-

-

-

-

-

-

Stockholders' equity
Common stock, $.01 par value; shares authorized: 9,090,909; shares issued: 5,377,160 at March 31, 2020 and 5,409,394 at December 31, 2019

54

54

45

45

44

44

43

235

235

43

164

164

164

164

161

161

161

161

159

159

159

159

159

159

159

159

159

159

159

159

159

9

9

9

47

47

47

Preferred stock

-

-

-

-

-

-

0

0

0

-

5

5

5

5

5

5

5

5

5

5

5

5

3

3

-

-

-

-

-

-

-

7,147

7,133

7,120

7,107

7,094

7,069

Common stock warrant

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

217

217

217

Additional paid-in capital

87,046

86,903

63,134

62,835

62,039

61,706

61,174

60,852

60,613

60,676

60,425

60,339

60,251

60,163

60,110

60,050

59,994

59,937

59,879

59,821

59,758

59,696

59,651

54,571

48,141

48,067

47,990

47,958

47,929

47,919

47,979

27,847

27,843

27,837

27,575

27,567

27,542

Accumulated deficit

-926

-2,932

-5,955

-8,608

-11,045

-12,752

-14,174

-15,203

-16,321

-17,087

-16,765

-17,236

-17,577

-17,767

-17,937

-18,228

-18,435

-18,537

-21,752

-21,868

-22,120

-22,157

-22,278

-22,390

-22,429

-22,215

-23,046

-22,661

-22,107

-21,297

-20,863

-23,807

-23,012

-22,163

-20,696

-20,154

-16,313

Accumulated other comprehensive income

172

28

24

14

-38

-73

-132

-116

-101

-47

-4

-1

1

2

57

80

60

-9

79

74

97

51

67

75

74

98

101

97

132

107

332

331

493

386

426

756

672

Treasury stock, at cost; 39,562 shares of common stock at March 31, 2020 and 32,940 shares of common stock at December 31, 2019

3,465

3,389

3,366

3,366

3,366

3,366

3,324

3,324

3,324

3,324

3,275

3,275

3,275

3,275

3,275

3,274

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

3,245

Total stockholders' equity

82,881

80,664

53,882

50,920

47,634

45,559

43,587

42,444

41,102

40,261

40,550

39,996

39,569

39,292

39,121

38,794

38,540

38,312

35,125

34,946

34,654

34,509

34,357

29,173

22,700

22,864

21,959

22,308

22,868

23,643

24,362

8,282

9,221

9,944

11,431

12,282

15,989

Total liabilities and stockholder's equity

945,365

880,545

786,437

720,993

720,479

665,025

606,379

558,929

529,927

481,425

448,901

431,609

416,461

436,112

408,394

364,753

353,351

351,293

331,442

339,313

317,922

315,588

307,630

294,457

258,989

255,748

250,392

244,614

216,439

215,035

222,131

225,615

241,440

250,920

265,388

277,790

275,232