Call reports 2016
CLEVELAND STATE BANK, THE — 2016
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 227,676,000 | 230,630,000 | 231,335,000 | 224,575,000 |
| Total loans | 113,956,000 | 119,498,000 | 119,598,000 | 118,003,000 |
| Allowance for loan losses | 1,660,000 | 1,650,000 | 1,677,000 | 1,661,000 |
| Securities available for sale | 74,450,000 | 75,934,000 | 73,665,000 | 72,993,000 |
| Securities held to maturity | 593,000 | 561,000 | 605,000 | 631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,895,000 | 203,291,000 | 205,157,000 | 201,401,000 |
| Interest-bearing deposits | 141,311,000 | 143,496,000 | 145,512,000 | 140,123,000 |
| Noninterest-bearing deposits | 58,584,000 | 59,795,000 | 59,645,000 | 61,278,000 |
| Equity capital | 21,611,000 | 22,411,000 | 22,731,000 | 20,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,952,000 | 3,940,000 | 6,007,000 | 8,011,000 |
| Interest expense | 84,000 | 172,000 | 261,000 | 348,000 |
| Net interest income | 1,868,000 | 3,768,000 | 5,746,000 | 7,663,000 |
| Noninterest income | 352,000 | 669,000 | 1,044,000 | 1,382,000 |
| Noninterest expense | 1,704,000 | 3,345,000 | 5,022,000 | 6,732,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 488,000 | 1,030,000 | 1,676,000 | 2,191,000 |
| Income tax | 127,000 | 269,000 | 434,000 | 526,000 |
| Net income | 361,000 | 761,000 | 1,242,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,444,000 | 22,844,000 | 23,324,000 | 22,772,000 |
| Total capital | 24,104,000 | 24,494,000 | 25,001,000 | 24,433,000 |
| Risk-weighted assets | 134,277,000 | 138,530,000 | 138,539,000 | 137,887,000 |