Call reports 2008
CLEVELAND STATE BANK, THE — 2008
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 168,985,000 | 158,209,000 | 154,870,000 | 157,338,000 |
| Total loans | 83,231,000 | 90,589,000 | 95,494,000 | 96,753,000 |
| Allowance for loan losses | 1,339,000 | 1,322,000 | 1,353,000 | 1,495,000 |
| Securities available for sale | 48,501,000 | 47,409,000 | 43,915,000 | 42,554,000 |
| Securities held to maturity | 1,848,000 | 1,718,000 | 1,505,000 | 1,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,766,000 | 128,695,000 | 122,015,000 | 126,459,000 |
| Interest-bearing deposits | 118,324,000 | 98,993,000 | 92,218,000 | 95,175,000 |
| Noninterest-bearing deposits | 28,442,000 | 29,702,000 | 29,797,000 | 31,284,000 |
| Equity capital | 19,329,000 | 19,149,000 | 19,637,000 | 19,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,124,000 | 4,244,000 | 6,330,000 | 8,337,000 |
| Interest expense | 734,000 | 1,344,000 | 1,916,000 | 2,439,000 |
| Net interest income | 1,390,000 | 2,900,000 | 4,414,000 | 5,898,000 |
| Noninterest income | 309,000 | 593,000 | 894,000 | 1,186,000 |
| Noninterest expense | 1,384,000 | 2,708,000 | 4,070,000 | 5,441,000 |
| Provision for loan losses | 40,000 | 70,000 | 120,000 | 285,000 |
| Pretax income | 275,000 | 715,000 | 1,118,000 | 1,358,000 |
| Income tax | 48,000 | 130,000 | 223,000 | 228,000 |
| Net income | 227,000 | 585,000 | 895,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,017,000 | 19,375,000 | 19,686,000 | 18,920,000 |
| Total capital | 20,170,000 | 20,697,000 | 20,903,000 | 20,156,000 |
| Risk-weighted assets | 92,043,000 | 109,377,000 | 97,234,000 | 98,631,000 |
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