Call reports 2007
CLEVELAND STATE BANK, THE — 2007
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 163,931,000 | 155,643,000 | 151,704,000 | 149,937,000 |
| Total loans | 69,972,000 | 77,614,000 | 82,257,000 | 83,024,000 |
| Allowance for loan losses | 1,219,000 | 1,218,000 | 1,206,000 | 1,298,000 |
| Securities available for sale | 63,382,000 | 57,421,000 | 51,736,000 | 43,985,000 |
| Securities held to maturity | 2,264,000 | 2,164,000 | 2,149,000 | 2,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,414,000 | 135,094,000 | 130,314,000 | 130,581,000 |
| Interest-bearing deposits | 116,411,000 | 109,711,000 | 104,941,000 | 101,838,000 |
| Noninterest-bearing deposits | 27,003,000 | 25,383,000 | 25,373,000 | 28,743,000 |
| Equity capital | 19,768,000 | 19,719,000 | 20,261,000 | 18,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,139,000 | 4,345,000 | 6,525,000 | 8,637,000 |
| Interest expense | 962,000 | 1,869,000 | 2,733,000 | 3,504,000 |
| Net interest income | 1,177,000 | 2,476,000 | 3,792,000 | 5,133,000 |
| Noninterest income | 337,000 | 641,000 | 933,000 | 1,231,000 |
| Noninterest expense | 1,236,000 | 2,520,000 | 3,833,000 | 5,148,000 |
| Provision for loan losses | 45,000 | 90,000 | 180,000 | 270,000 |
| Pretax income | 233,000 | 507,000 | 712,000 | 946,000 |
| Income tax | 40,000 | 86,000 | 116,000 | 164,000 |
| Net income | 193,000 | 421,000 | 596,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,200,000 | 20,429,000 | 20,604,000 | 18,790,000 |
| Total capital | 21,208,000 | 21,501,000 | 21,703,000 | 19,888,000 |
| Risk-weighted assets | 80,460,000 | 85,626,000 | 87,807,000 | 87,610,000 |
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