XML 40 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6

Loans (Tables)

3 Months Ended

Mar. 31, 2013

Loans [Abstract]

Recorded investment in loans by portfolio segment

	March 31,			December 31,
	2013			2012
Commercial	$	28,524		$	25,408
Real estate:
Single-family residential		46,618			43,058
Multi-family residential		27,109			21,576
Commercial		56,432			54,291
Construction		79			14
Consumer:
Home equity lines of credit		12,748			12,963
Other		971			970
Subtotal		172,481			158,280
Less: ALLL		(5,682)			(5,237)
Loans, net	$	166,799		$	153,043

Activity in ALLL by portfolio segment

The following tables present the activity in the ALLL by portfolio segment for the three months ended March 31, 2013:

	Three months ended March 31, 2013
				Real Estate												Consumer
				Single-			Multi-									Home Equity
	Commercial			family			family			Commercial			Construction			lines of credit			Other			Total
Beginning balance	$	1,311		$	332		$	1,396		$	1,946		$	-		$	241		$	11		$	5,237
Addition to (reduction in) provision for loan losses		81			(94)			179			197			1			(23)			(15)			326
Charge-offs		-			-			-			-			-			-			-			-
Recoveries		17			1			29			54			-			2			16			119
Ending balance	$	1,409		$	239		$	1,604		$	2,197		$	1		$	220		$	12		$	5,682

The following tables present the activity in the ALLL by portfolio segment for the three months ended March, 2012:

	Three months ended March 31, 2012
				Real Estate												Consumer
				Single-			Multi-									Home Equity
	Commercial			family			family			Commercial			Construction			lines of credit			Other			Total
Beginning balance	$	2,281		$	207		$	1,470		$	1,863		$	-		$	272		$	17		$	6,110
Addition to (reduction in) provision for loan losses		(508)			(19)			370			347			-			19			(9)			200
Charge-offs		(15)			-			(416)			(434)			-			(20)			-			(885)
Recoveries		44			2			22			136			-			3			9			216
Ending balance	$	1,802		$	190		$	1,446		$	1,912		$	-		$	274		$	17		$	5,641

Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of March 31, 2013:

				Real Estate												Consumer
	Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	562		$	44		$	84		$	152		$	-		$	-		$	-		$	842
Collectively evaluated for impairment		847			195			1,520			2,045			1			220			12			4,840
Total ending allowance balance	$	1,409		$	239		$	1,604		$	2,197		$	1		$	220		$	12		$	5,682
		-			-			-			-			-			-			-			-
Loans:
Individually evaluated for impairment		988			128			2,127			5,728			-			-			-			8,971
Collectively evaluated for impairment		27,536			46,490			24,982			50,704			79			12,748			971			163,510
Total ending loan balance	$	28,524		$	46,618		$	27,109		$	56,432		$	79		$	12,748		$	971		$	172,481

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2012: 

				Real Estate												Consumer
	Commercial			Single- family			Multi- family			Commercial			Construction			Home Equity lines of credit			Other			Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	609		$	71		$	24		$	126		$	-		$	-		$	-		$	830
Collectively evaluated for impairment		702			261			1,372			1,820			-			241			11			4,407
Total ending allowance balance	$	1,311		$	332		$	1,396		$	1,946		$	-		$	241		$	11		$	5,237
		-			-			-			-			-			-			-			-
Loans:
Individually evaluated for impairment		1,091			129			2,167			6,467			-			-			-			9,854
Collectively evaluated for impairment		24,317			42,929			19,409			47,824			14			12,963			970			148,426
Total ending loan balance	$	25,408		$	43,058		$	21,576		$	54,291		$	14		$	12,963		$	970		$	158,280

Individually evaluated for impairment by class of loans

The following table presents loans individually evaluated for impairment by class of loans at March 31, 2013.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three months ended March 31, 2013.  Cash payments of interest during the three months ended March 31, 2013 totaled $57.

	As of March 31, 2013									Three months ended March 31, 2013
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	136		$	120		$	-		$	172		$	-
Real estate:
Single-family residential		-			-			-			-			-
Multi-family residential		1,972			1,851			-			1,860			-
Commercial:
Non-owner occupied		2,222			1,527			-			1,928			-
Owner occupied		2,155			1,204			-			1,219			-
Land		-			-			-			-			-
Construction		-			-			-			-			-
Consumer:					-
Home equity lines of credit:
Originated for portfolio		-			-			-			-			-
Purchased for portfolio		-			-			-			-			-
Other		-			-			-			-			-
Total with no allowance recorded		6,485			4,702			-			5,179			-
With an allowance recorded:
Commercial		867			868			562			884			5
Real estate:
Single-family residential		128			128			44			128			2
Multi-family residential		277			276			84			280			1
Commercial:
Non-owner occupied		2,225			2,225			132			2,230			34
Owner occupied		392			392			7			393			6
Land		425			380			13			386			6
Construction
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-			-
Purchased for portfolio		-			-			-			-
Other		-			-			-			-
Total with an allowance recorded		4,314			4,269			842			4,301			54
Total	$	10,799		$	8,971		$	842		$	9,480		$	54

The following table presents loans individually evaluated for impairment by class of loans at December 31, 2012.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three months ended March 31, 2012.  Cash payments of interest during the three months ended March 31, 2012 totaled $88.

	As of December 31, 2012									Three months ended March 31, 2012
	Unpaid Principal Balance			Recorded Investment			ALLL Allocated			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded:
Commercial	$	136		$	121		$	-		$	67		$	-
Real estate:
Single-family residential		-			-			-			-			-
Multi-family residential		2,001			1,879			-			4,244			10
Commercial:
Non-owner occupied		3,000			2,195			-			1,367			-
Owner occupied		2,195			1,244			-			429			-
Land		-			-			-			224			1
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-			135
Purchased for portfolio		-			-			-			-
Other		-			-			-			-
Total with no allowance recorded		7,332			5,439			-			6,466			11
With an allowance recorded:
Commercial		970			970			609			696			13
Real estate:
Single-family residential		129			129			71			90			-
Multi-family residential		288			288			24			92			1
Commercial:
Non-owner occupied		2,239			2,239			105			2,340			57
Owner occupied		396			396			7			736			6
Land		438			393			14			384			6
Consumer:
Home equity lines of credit:
Originated for portfolio		-			-			-			-
Purchased for portfolio		-			-			-			-
Other		-			-			-			-
Total with an allowance recorded		4,460			4,415			830			4,338			83
Total	$	11,792		$	9,854		$	830		$	10,804		$	94

Recorded investment in nonaccrual loans by class of loans

	March 31,			December 31,
	2013			2012
Loans past due over 90 days still on accrual:
Real estate:
Commercial:		-			-
Non-owner occupied		-			-
Other consumer loans		-			-
Total over 90 days still on accrual loans		-			-
Nonaccrual loans:
Commercial	$	653		$	714
Real estate:
Single-family residential		119			113
Multi-family residential		2,044			2,082
Commercial:
Non-owner occupied		1,527			2,195
Owner occupied		1,204			1,243
Land		-			-
Consumer:
Home equity lines of credit:		-			-
Originated for portfolio		12			-
Purchased for portfolio		6			9
Other consumer		-			-
Total nonaccrual		5,565			6,356
Total nonaccrual and nonperforming loans	$	5,565		$	6,356

Aging of recorded investment in past due loans by class of loans

The following table presents the aging of the recorded investment in past due loans by class of loans as of March 31, 2013:

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	-		$	-		$	165		$	165		$	28,359		$	488
Real estate:
Single-family residential		796			131			88			1,015			45,603			30
Multi-family residential		-			-			-			-			27,109			2,045
Commercial:
Non-owner occupied		-			38			957			995			28,047			570
Owner occupied		-			-			-			-			22,905			1,204
Land		-			-			-			-			4,485			-
Construction		-			-			-			-			79			-
Consumer:
Home equity lines of credit:
Originated for portfolio		-			54			12			66			10,548			-
Purchased for portfolio		6			-			-			6			2,128			6
Other		-			-			-			-			971			-
Total	$	802		$	223		$	1,222		$	2,247		$	170,234		$	4,343

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2012:

	30 - 59 Days Past Due			60 - 89 Days Past Due			Greater than 90 Days Past Due			Total Past Due			Loans Not Past Due			Nonaccrual Loans Not > 90 days Past Due
Commercial	$	-		$	65		$	121		$	186		$	25,222		$	593
Real estate:
Single-family residential		1,105			122			74			1,301			41,757			39
Multi-family residential		-			-			-			-			21,576			2,082
Commercial:
Non-owner occupied		40			-			1,611			1,651			28,299			583
Owner occupied		-			-			-			-			19,774			1,244
Land		-			-			-			-			4,568			-
Construction		-			-			-			-			14			-
Consumer:
Home equity lines of credit:
Originated for portfolio		20			-			-			20			10,699			-
Purchased for portfolio		-			-			9			9			2,235			-
Other		18			-			-			18			951			-
Total	$	1,183		$	187		$	1,815		$	3,185		$	155,095		$	4,541

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

	March 31,			December 31,
	2013			2012
Commercial	$	488		$	528
Real estate:
Multi-family residential		2,044			2,082
Commercial:
Non-owner occupied		-			388
Owner occupied		279			288
Total	$	2,811		$	3,286

Financing Receivable Credit Quality Indicators

The recorded investment in loans by risk category and by class of loans as of March 31, 2013 and based on the most recent analysis performed follows.  There were no loans rated doubtful at March 31, 2013 and December 31, 2012. 

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	270		$	24,072		$	2,653		$	1,529		$	28,524
Real estate:
Single-family residential		46,499			-			-			119			46,618
Multi-family residential		-			18,451			5,763			2,895			27,109
Commercial:
Non-owner occupied		220			21,666			2,405			4,752			29,043
Owner occupied		-			19,017			423			3,465			22,905
Land		115			944			432			2,993			4,484
Construction		12			67			-			-			79
Consumer:
Home equity lines of credit:
Originated for portfolio		10,602			-			-			12			10,614
Purchased for portfolio		1,699			-			429			6			2,134
Other		971			-			-			-			971
	$	60,388		$	84,217		$	12,105		$	15,771		$	172,481

The recorded investment in loans by risk category and by class of loans as of December 31, 2012 follows. 

	Not Rated			Pass			Special Mention			Substandard			Total
Commercial	$	285		$	21,013		$	2,637		$	1,473		$	25,408
Real estate:
Single-family residential		42,945			-			-			113			43,058
Multi-family residential		-			12,846			5,790			2,939			21,575
Commercial:
Non-owner occupied		322			21,147			2,995			5,486			29,950
Owner occupied		-			16,385			762			2,627			19,774
Land		119			987			434			3,028			4,568
Construction		-			14			-			-			14
Consumer:
Home equity lines of credit:
Originated for portfolio		10,719			-			-			-			10,719
Purchased for portfolio		1,800			-			435			9			2,244
Other		970			-			-			-			970
	$	57,160		$	72,392		$	13,053		$	15,675		$	158,280

X

- Definition

Loans And Leases Receivable Allowance For Credit Loss And Recorded Investment [Table Text Block]

+ References

No definition available.

+ Details

Name:	cfbk_LoansAndLeasesReceivableAllowanceForCreditLossAndRecordedInvestmentTableTextBlock
Namespace Prefix:	cfbk_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule Of Financing Receivables By Classification Table [Text Block]

+ References

No definition available.

+ Details

Name:	cfbk_ScheduleOfFinancingReceivablesByClassificationTableTextBlock
Namespace Prefix:	cfbk_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953659-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=7880640&loc=SL6953803-111525

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524

+ Details

Name:	us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953401-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524

+ Details

Name:	us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of troubled debt restructurings in the periods following the restructuring, including: (1) a description of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; (2) the dollar amount of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; and (3) a description of the circumstance, events, or conditions that would cause payments to occur or the creditor to forgive the contingent portion of recorded debt.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 60

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15765-112638



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 15

-Paragraph 26

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Name:	us-gaap_ScheduleOfDebtorTroubledDebtRestructuringSubsequentPeriodsTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration