Cf Bankshares Inc. · NASDAQ:CFBK

Cf Bankshares — Central Federal — Investor Presentation (May 2008)

12 slides from Cf Bankshares's investor presentation, May 15, 2008

  1. Slide 1: Central Federal Corporation

    © Central Federal Corporation 2007

  2. Slide 2: Forward-looking statements

    Forward-looking statements This presentation contains "forward-looking statements" which may be identified by the use of such words as "may," "believe," "expect," "anticipate," "should," "plan," "estimate," "predict," "continue" and "potential" or the negative of these terms or other comparable term

  3. Slide 3: Asset growth

    Asset growth 2 ] 17173 q e $150 - aa & 107 08 $100 - 2 3 $50 + 0 $0. 2003 «2004 «= 2005 2006 «= 2007 CentralFederalCoporaion lm Total assets m Loans, net = Commercial, commercial real estate and multi- family loans

  4. Slide 4: Allowance for loan losses/total loans

    Allowance for loan losses/total loans 11

  5. Slide 5: Deposit growth

    Deposit growth a $200 194 168 g sso E 102 & $100 73 “LT i 7 - 7 $0 T T T , 2003 2004 2005 2006 2007 CentralFederalCoporaton

  6. Slide 6: Deposit composition

    Deposit composition 2003 CentralFederalCoporafon

  7. Slide 7: CFBank capital ratios

    CFBank capital ratios Well-capitalized 17

  8. Slide 8: Net interest income

    Net interest income $9.0 $200 $8.0 $180 $7.0 $160 £86. $140 = commercial, commercial ge $120 82 . gg. 58 realestateand multi- BE sa $100 2 — —_ familyloan balance su soo 3 mnetinterestincome zs $60 % $40 $10 $20 $0.0 $0 2003 2004 2005 2006 2007 CentralFederal Corporation ..

  9. Slide 9: Quarterly Net Interest Margin Industry statistics - CFBank

    Quarterly Net Interest Margin Industry statistics - CFBank 21

  10. Slide 10: Noninterest expense/average assets

    Noninterest expense/average assets 23

  11. Slide 11: Noninterest expense

    Noninterest expense $30 $300 $25 $250 g $20 $200 ge & 8 sis $150 2 & s10 $100 = § 2 $50 $0 2003 2004 2005 2006 2007 MTotalassets m= Noninterest expense Total Assets $in millions

  12. Slide 12: Quarterly noninterest expense/earning assets Industry statistics - CFBank

    Quarterly noninterest expense/earning assets Industry statistics - CFBank 27

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