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Regulatory Capital Matters (Tables)
6 Months Ended
Jun. 30, 2016
Regulatory Capital Matters [Abstract]  
Actual and required capital amounts and ratios of CFBank



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

To Be Well



 

 

 

 

 

Minimum Capital

 

 

Minimum Capital

 

 

Capitalized Under



 

 

 

 

 

Required-Basel III

 

 

Required-Basel III

 

 

Applicable Regulatory



 

Actual

 

 

Phase-In Schedule

 

 

Fully Phased-In

 

 

Capital Standards



 

Amount

Ratio

 

 

Amount

Ratio

 

 

Amount

Ratio

 

 

Amount

Ratio



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2016 (unaudited)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital to risk

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 weighted assets

$

42,795 

13.23%

 

$

27,924 

8.63%

 

$

33,975 

10.50%

 

$

32,357 

10.00%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 (Core) Capital to risk

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 weighted assets

 

38,718 

11.97%

 

 

21,453 

6.63%

 

 

27,504 

8.50%

 

 

25,886 

8.00%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common equity tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to risk-weighted assets

 

38,718 

11.97%

 

 

16,599 

5.13%

 

 

22,650 

7.00%

 

 

21,032 

6.50%



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 (Core) Capital to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 adjusted total assets
(Leverage ratio)

 

38,718 

10.92%

 

 

14,189 

4.00%

 

 

14,189 

4.00%

 

 

17,736 

5.00%









 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

To Be Well

 

 

 

 



 

 

 

 

 

 

 

 

 

Capitalized Under

 

 

Required



 

 

 

 

 

For Capital

 

 

Applicable Regulatory

 

 

Pursuant to



 

Actual

 

 

Adequacy Purposes

 

 

Capital Standards

 

 

OCC Commitment (1)



 

Amount

Ratio

 

 

Amount

Ratio

 

 

Amount

Ratio

 

 

Amount

Ratio



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31,2015

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Capital to risk

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 weighted assets

$

41,528 

13.67%

 

$

24,310 

8.00%

 

$

30,388 

10.00%

 

$

N/A

N/A



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 (Core) Capital to risk

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 weighted assets

 

37,694 

12.40%

 

 

18,233 

6.00%

 

 

24,310 

8.00%

 

 

N/A

N/A



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common equity tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

to risk-weighted assets

 

37,694 

12.40%

 

 

13,675 

4.50%

 

 

19,752 

6.50%

 

 

N/A

N/A



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 (Core) Capital to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 adjusted total assets

 

37,694 

11.12%

 

 

13,557 

4.00%

 

 

16,946 

5.00%

 

 

N/A

N/A



(1)

 The heightened capital requirements were applicable to CFBank until December 23, 2015, under the CFBank Order and the subsequent commitments made by CFBank to the OCC.  See Note 2- Regulatory Order Considerations for additional information.