Call reports 2003
CLEVELAND STATE BANK — 2003
What CLEVELAND STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,738,000 | 40,206,000 | 39,362,000 | 39,599,000 |
| Total loans | 18,150,000 | 19,919,000 | 18,289,000 | 18,753,000 |
| Allowance for loan losses | 303,000 | 298,000 | 298,000 | 290,000 |
| Securities available for sale | 17,403,000 | 17,038,000 | 16,613,000 | 16,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,811,000 | 32,147,000 | 32,709,000 | 33,560,000 |
| Interest-bearing deposits | 27,907,000 | 28,157,000 | 28,218,000 | 29,129,000 |
| Noninterest-bearing deposits | 3,904,000 | 3,990,000 | 4,491,000 | 4,430,000 |
| Equity capital | 5,745,000 | 5,898,000 | 5,957,000 | 5,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 496,000 | 981,000 | 1,461,000 | 1,940,000 |
| Interest expense | 169,000 | 328,000 | 477,000 | 617,000 |
| Net interest income | 327,000 | 653,000 | 984,000 | 1,323,000 |
| Noninterest income | 269,000 | 569,000 | 909,000 | 1,130,000 |
| Noninterest expense | 397,000 | 801,000 | 1,229,000 | 1,688,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 199,000 | 434,000 | 677,000 | 778,000 |
| Income tax | 42,000 | 106,000 | 172,000 | 178,000 |
| Net income | 157,000 | 328,000 | 505,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,317,000 | 5,490,000 | 5,665,000 | 5,220,000 |
| Total capital | 5,547,000 | 5,712,000 | 5,897,000 | 5,465,000 |
| Risk-weighted assets | 18,345,000 | 17,653,000 | 18,489,000 | 19,544,000 |
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