Call reports 2025
CLEVELAND STATE BANK, THE — 2025
What CLEVELAND STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 331,524,000 | 325,097,000 | 330,695,000 | 337,514,000 |
| Total loans | 162,237,000 | 170,452,000 | 171,945,000 | 168,686,000 |
| Allowance for loan losses | 2,270,000 | 2,217,000 | 2,239,000 | 2,267,000 |
| Securities available for sale | 68,778,000 | 70,841,000 | 72,141,000 | 72,686,000 |
| Securities held to maturity | 50,528,000 | 49,981,000 | 49,249,000 | 48,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,400,000 | 301,546,000 | 304,037,000 | 311,271,000 |
| Interest-bearing deposits | 217,312,000 | 211,698,000 | 213,560,000 | 217,450,000 |
| Noninterest-bearing deposits | 91,088,000 | 89,848,000 | 90,477,000 | 93,821,000 |
| Equity capital | 20,288,000 | 20,756,000 | 23,661,000 | 23,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,672,000 | 7,473,000 | 11,279,000 | 15,075,000 |
| Interest expense | 1,069,000 | 2,127,000 | 3,285,000 | 4,402,000 |
| Net interest income | 2,603,000 | 5,346,000 | 7,994,000 | 10,673,000 |
| Noninterest income | 406,000 | 776,000 | 1,172,000 | 1,629,000 |
| Noninterest expense | 1,944,000 | 4,005,000 | 5,918,000 | 8,034,000 |
| Provision for loan losses | 30,000 | 41,000 | 71,000 | 251,000 |
| Pretax income | 1,035,000 | 2,057,000 | 3,158,000 | 3,998,000 |
| Income tax | 202,000 | 396,000 | 593,000 | 726,000 |
| Net income | 833,000 | 1,661,000 | 2,565,000 | 3,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,462,000 | 36,290,000 | 37,194,000 | 36,201,000 |