Call reports 2012
CLEVELAND STATE BANK, THE — 2012
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 199,813,000 | 195,931,000 | 194,868,000 | 209,957,000 |
| Total loans | 103,574,000 | 104,143,000 | 102,711,000 | 103,810,000 |
| Allowance for loan losses | 1,750,000 | 1,748,000 | 1,703,000 | 1,646,000 |
| Securities available for sale | 59,467,000 | 64,584,000 | 66,744,000 | 75,112,000 |
| Securities held to maturity | 1,066,000 | 1,023,000 | 1,023,000 | 1,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,892,000 | 172,023,000 | 170,323,000 | 186,681,000 |
| Interest-bearing deposits | 131,817,000 | 129,953,000 | 126,503,000 | 136,591,000 |
| Noninterest-bearing deposits | 45,075,000 | 42,070,000 | 43,820,000 | 50,090,000 |
| Equity capital | 20,247,000 | 20,958,000 | 21,417,000 | 20,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,732,000 | 5,620,000 | 7,437,000 |
| Interest expense | 146,000 | 292,000 | 430,000 | 553,000 |
| Net interest income | 1,715,000 | 3,440,000 | 5,190,000 | 6,884,000 |
| Noninterest income | 321,000 | 643,000 | 971,000 | 1,315,000 |
| Noninterest expense | 1,623,000 | 3,205,000 | 4,747,000 | 6,408,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 398,000 | 848,000 | 1,374,000 | 1,751,000 |
| Income tax | 98,000 | 212,000 | 343,000 | 383,000 |
| Net income | 300,000 | 636,000 | 1,031,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,196,000 | 20,532,000 | 20,928,000 | 20,364,000 |
| Total capital | 21,650,000 | 21,984,000 | 22,356,000 | 21,818,000 |
| Risk-weighted assets | 115,991,000 | 115,837,000 | 113,996,000 | 116,161,000 |