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Central Federal Savings and Loan Association

Rolla, MO · Cert 30664

FDIC · 1 branch

Q1 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Federal Savings and Loan Association

Rolla, MO · Cert 30664

FDIC · 1 branch

Q1 2020

$69.9MAssets
$52.5MLoans
$47.3MDeposits
$21.2MEquity
Loan mix
94%RE $47.3M4%C&I $2.0M1%Consumer $0.7MQ1 2019Q1 2020
Deposit mix
85%Interest-bearing $40.3M15%Noninterest $7.0MQ1 2019Q1 2020

NIM

3.67%Q1 ’184.11%Q1 ’193.83%Q1 ’20+7%-8%

Non-interest income vs. expense

3.14%Q1 ’183.26%Q1 ’193.00%Q1 ’20+7%-14%

Executive Summary

  • Earnings: ROA of 0.34%, up 5 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.15% of loans (-4 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 30.36%, down 4 bps from a year ago.
  • Funding: loans stand at 111.03% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

0.34%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-26 bps YoY

Efficiency Ratio (YTD, annualized)

86.04%-546 bps YoY

Tier 1 Leverage Ratio

30.36%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.29%0.27%0.25%0.27%0.34%+5 bps
Return on Equity0.96%0.91%0.83%0.89%1.13%+17 bps
Net Interest Margin3.45%3.45%3.43%3.37%3.19%-26 bps
Efficiency Ratio91.50%90.35%90.59%89.56%86.04%-546 bps
Non-Interest Burden3.15%3.10%3.09%2.99%2.70%-45 bps
Growth
Asset Growth (YoY)2.48%2.01%-1.14%1.93%0.68%-180 bps
Loan Growth (YoY)11.31%1.63%-2.99%-4.64%-10.16%-2,147 bps
Deposit Growth (YoY)2.88%2.16%-2.51%2.05%0.21%-267 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.15%0.15%0.15%-4 bps
Net Charge-Offs / Loans0.03%0.01%0.00%0.00%-0.01%-3 bps
Allowance / Loans0.49%0.51%0.55%0.56%0.56%+7 bps
Allowance Coverage of NPLs2.5x2.7x3.6x3.7x3.7x+1.2x
Capital
Tier 1 Leverage Ratio30.40%30.20%30.25%30.27%30.36%-4 bps
Total Risk-Based Capital42.01%41.76%44.30%44.86%30.63%-1,138 bps
Equity / Assets29.98%29.89%30.34%29.97%30.40%+43 bps
Liquidity & Funding
Loans / Deposits123.85%119.63%114.14%109.08%111.03%-1,282 bps
Liquid Assets / Assets4.70%6.57%12.02%13.54%14.93%+1,023 bps
CRE / Total Capitaln/an/an/an/an/an/an/a