REGULATORY CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 30, 2012

Actual and required capital amounts and ratios of CFBank

Actual and required capital amounts and ratios of CFBank are presented below:

											Required
						For Capital					By Terms Of
	Actual					Adequacy Purposes					CFBank Order
	Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2012
Total Capital to risk weighted assets	$	24,816		20.00	%	$	9,926		8.00	%	$	14,890		12.00	%
Tier 1 (Core) Capital to risk weighted assets		23,217		18.71	%		4,963		4.00	%		N/A		N/A
Tier 1 (Core) Capital to adjusted total assets		23,217		10.52	%		8,844		4.00	%		17,687		8.00	%
Tangible Capital to adjusted total assets		23,217		10.52	%		3,316		1.50	%		N/A		N/A

											Required
						For Capital					By Terms Of
	Actual					Adequacy Purposes					CFBank Order
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2011
Total Capital to risk weighted assets	$	15,351		10.30	%	$	11,918		8.00	%	$	17,876		12.00	%
Tier 1 (Core) Capital to risk weighted assets		13,436		9.02	%		5,959		4.00	%		N/A		N/A
Tier 1 (Core) Capital to adjusted total assets		13,436		5.39	%		9,968		4.00	%		19,937		8.00	%
Tangible Capital to adjusted total assets		13,436		5.39	%		3,738		1.50	%		N/A		N/A