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Profile - Grand Central Financial (NasdaqSC:GCFC)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs
Recent Events
Aug 22Price hit new 52-week low ($8.50)
Location
601 Main Street
Wellsville, OH 43968
Phone: (330) 532-1517
Fax: (330) 532-3875
Employees (last reported count): 33
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 31%
·Institutional: 5% (7% of float)
(one institution)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Grand Central Financial Corp. was organized as the holding company for Central Federal Savings and Loan Association (Association), in connection with the Association's conversion from a mutual to stock form of organization. The Company does not transact any material business other than through the Association. The Association's principal business consists of attracting deposits from the general public in its primary market area, and investing those deposits and other funds, such as those generated from operations and Federal Home Loan Bank (FHLB) of Cincinnati advances. Retail savings deposits and, to a lesser extent, principal and interest payments on loans and investment securities, FHLB advances and proceeds from the sale of loans are the primary sources of funds for the Association.
More from Market Guide: Expanded Business Description

Financial Summary
GCFC is a bank holding company for the Central Federal Savings and Loan Association of Wellsville. For the six months ended 6/30/01, interest income rose 5% to $5.1 million. Net interest income rose less than 1% to $2.1 million. Net income totaled $271 thousand, up from $101 thousand. Interest income reflects an increase in volume of loans, partially offset by an increase in deposits. Net income benefitted from lower salaries and employee benefits.
More from Market Guide: Significant Developments

Officers
FY2000 Pay

Gerry Grace, 62
Chairman
--  
William Williams, 57
Pres, CEO, Director
$292K
John Rife, 45
Exec. VP and Treasurer
179K
Daniel Galeoti, 45
VP of Mortgage Operations and Corp. Sec.
--  
Charles Standley, 47
VP of Commercial and Consumer Lending
171K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:GCFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 22-Aug-2001
$8.50 
Recent Price$9.20 
52-Week High
on 19-Jan-2001
$14.75 
Beta0.09 
Daily Volume (3-month avg)273 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change-8.6%
52-Week Change
relative to S&P500
+22.7%
Share-Related Items
Market Capitalization$16.1M
Shares Outstanding1.75M
Float1.20M
Dividends & Splits
Annual Dividend (indicated)$0.28 
Dividend Yield3.04%
Last Splitnone 
Per-Share Data
Book Value (mrq)$10.29 
Earnings (ttm)$0.28 
Earnings (mrq)$0.10 
Sales (ttm)$6.30 
Cash (mrq)$2.59 
Valuation Ratios
Price/Book (mrq)0.89 
Price/Earnings (ttm)32.62 
Price/Sales (ttm)1.46 
Income Statements
Sales (ttm)$10.1M
EBITDAN/A 
Income available to common (ttm)$446.0K
Profitability
Profit Margin (ttm)4.4%
Operating Margin (ttm)40.1%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.32%
Return on Equity (ttm)2.49%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$4.53M
Short Interest
As of 8-Aug-2001
Shares Short1,000 
Percent of Float0.1%
Shares Short
(Prior Month)
0 
Daily Volume0 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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