Call reports 2015
CLEVELAND STATE BANK, THE — 2015
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 217,814,000 | 213,908,000 | 211,070,000 | 215,359,000 |
| Total loans | 107,618,000 | 111,158,000 | 112,315,000 | 114,974,000 |
| Allowance for loan losses | 1,555,000 | 1,491,000 | 1,517,000 | 1,651,000 |
| Securities available for sale | 74,295,000 | 75,394,000 | 73,870,000 | 76,409,000 |
| Securities held to maturity | 755,000 | 741,000 | 727,000 | 727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,729,000 | 190,854,000 | 184,754,000 | 188,874,000 |
| Interest-bearing deposits | 141,284,000 | 138,832,000 | 133,003,000 | 133,627,000 |
| Noninterest-bearing deposits | 52,445,000 | 52,022,000 | 51,751,000 | 55,247,000 |
| Equity capital | 21,229,000 | 20,510,000 | 21,419,000 | 20,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,739,000 | 5,700,000 | 7,642,000 |
| Interest expense | 82,000 | 166,000 | 249,000 | 331,000 |
| Net interest income | 1,757,000 | 3,573,000 | 5,451,000 | 7,311,000 |
| Noninterest income | 357,000 | 688,000 | 1,019,000 | 1,355,000 |
| Noninterest expense | 1,640,000 | 3,237,000 | 4,838,000 | 6,424,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 245,000 |
| Pretax income | 444,000 | 992,000 | 1,570,000 | 2,025,000 |
| Income tax | 101,000 | 245,000 | 389,000 | 385,000 |
| Net income | 343,000 | 747,000 | 1,181,000 | 1,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,760,000 | 22,163,000 | 22,597,000 | 22,082,000 |
| Total capital | 23,315,000 | 23,654,000 | 24,114,000 | 23,731,000 |
| Risk-weighted assets | 128,020,000 | 128,980,000 | 129,975,000 | 131,945,000 |