Call reports 2019
CLEVELAND STATE BANK, THE — 2019
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 240,393,000 | 232,609,000 | 229,592,000 | 230,782,000 |
| Total loans | 126,393,000 | 129,015,000 | 129,150,000 | 128,786,000 |
| Allowance for loan losses | 1,707,000 | 1,732,000 | 1,653,000 | 1,635,000 |
| Securities available for sale | 71,314,000 | 70,435,000 | 70,205,000 | 72,075,000 |
| Securities held to maturity | 165,000 | 172,000 | 159,000 | 162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,873,000 | 203,907,000 | 200,524,000 | 202,847,000 |
| Interest-bearing deposits | 140,495,000 | 137,153,000 | 133,571,000 | 131,566,000 |
| Noninterest-bearing deposits | 71,378,000 | 66,754,000 | 66,953,000 | 71,281,000 |
| Equity capital | 22,762,000 | 24,306,000 | 25,016,000 | 24,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,264,000 | 4,563,000 | 6,839,000 | 9,079,000 |
| Interest expense | 162,000 | 330,000 | 514,000 | 687,000 |
| Net interest income | 2,102,000 | 4,233,000 | 6,325,000 | 8,392,000 |
| Noninterest income | 558,000 | 868,000 | 1,177,000 | 1,737,000 |
| Noninterest expense | 1,729,000 | 3,355,000 | 5,035,000 | 6,832,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 901,000 | 1,686,000 | 2,378,000 | 2,978,000 |
| Income tax | 179,000 | 335,000 | 473,000 | 566,000 |
| Net income | 722,000 | 1,351,000 | 1,905,000 | 2,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,695,000 | 26,324,000 | 26,878,000 | 26,135,000 |
| Total capital | 27,402,000 | 28,056,000 | 28,531,000 | 27,770,000 |
| Risk-weighted assets | 144,852,000 | 145,000,000 | 145,288,000 | 143,173,000 |