Call reports 2005
CLEVELAND STATE BANK, THE — 2005
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 179,436,000 | 164,955,000 | 160,160,000 | 162,304,000 |
| Total loans | 66,055,000 | 65,551,000 | 65,334,000 | 65,856,000 |
| Allowance for loan losses | 1,393,000 | 1,233,000 | 1,234,000 | 1,196,000 |
| Securities available for sale | 81,289,000 | 79,834,000 | 70,733,000 | 70,782,000 |
| Securities held to maturity | 5,407,000 | 3,336,000 | 3,322,000 | 3,345,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,202,000 | 144,018,000 | 138,930,000 | 142,056,000 |
| Interest-bearing deposits | 129,641,000 | 119,686,000 | 113,469,000 | 112,535,000 |
| Noninterest-bearing deposits | 29,561,000 | 24,332,000 | 25,461,000 | 29,521,000 |
| Equity capital | 19,913,000 | 20,553,000 | 20,376,000 | 19,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,808,000 | 3,651,000 | 5,457,000 | 7,255,000 |
| Interest expense | 527,000 | 1,052,000 | 1,651,000 | 2,305,000 |
| Net interest income | 1,281,000 | 2,599,000 | 3,806,000 | 4,950,000 |
| Noninterest income | 268,000 | 542,000 | 744,000 | 1,107,000 |
| Noninterest expense | 1,296,000 | 2,489,000 | 3,715,000 | 5,041,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 208,000 | 562,000 | 785,000 | 936,000 |
| Income tax | 36,000 | 97,000 | 130,000 | 167,000 |
| Net income | 172,000 | 465,000 | 655,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,161,000 | 20,454,000 | 20,644,000 | 20,008,000 |
| Total capital | 21,180,000 | 21,444,000 | 21,640,000 | 21,020,000 |
| Risk-weighted assets | 81,177,000 | 78,923,000 | 79,422,000 | 80,781,000 |
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