Call reports 2014
CLEVELAND STATE BANK, THE — 2014
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 223,542,000 | 215,891,000 | 215,391,000 | 213,635,000 |
| Total loans | 107,712,000 | 109,062,000 | 110,141,000 | 109,206,000 |
| Allowance for loan losses | 1,451,000 | 1,486,000 | 1,471,000 | 1,543,000 |
| Securities available for sale | 76,944,000 | 77,559,000 | 75,892,000 | 73,565,000 |
| Securities held to maturity | 799,000 | 754,000 | 757,000 | 795,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,366,000 | 189,259,000 | 187,490,000 | 187,455,000 |
| Interest-bearing deposits | 146,648,000 | 138,934,000 | 134,666,000 | 134,938,000 |
| Noninterest-bearing deposits | 53,718,000 | 50,325,000 | 52,824,000 | 52,517,000 |
| Equity capital | 19,357,000 | 20,204,000 | 20,773,000 | 20,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,872,000 | 3,762,000 | 5,675,000 | 7,582,000 |
| Interest expense | 96,000 | 192,000 | 282,000 | 367,000 |
| Net interest income | 1,776,000 | 3,570,000 | 5,393,000 | 7,215,000 |
| Noninterest income | 365,000 | 697,000 | 1,041,000 | 1,362,000 |
| Noninterest expense | 1,632,000 | 3,285,000 | 4,884,000 | 6,484,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 190,000 |
| Pretax income | 479,000 | 922,000 | 1,460,000 | 1,903,000 |
| Income tax | 118,000 | 230,000 | 363,000 | 412,000 |
| Net income | 361,000 | 692,000 | 1,097,000 | 1,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,236,000 | 21,568,000 | 21,972,000 | 21,416,000 |
| Total capital | 22,687,000 | 23,054,000 | 23,443,000 | 22,959,000 |
| Risk-weighted assets | 125,852,000 | 125,772,000 | 125,157,000 | 124,340,000 |