Call reports 2005
CLEVELAND STATE BANK — 2005
What CLEVELAND STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,194,000 | 41,727,000 | 41,215,000 | 46,997,000 |
| Total loans | 21,694,000 | 22,506,000 | 23,324,000 | 28,044,000 |
| Allowance for loan losses | 290,000 | 290,000 | 290,000 | 290,000 |
| Securities available for sale | 14,230,000 | 14,217,000 | 13,999,000 | 13,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,083,000 | 35,601,000 | 34,306,000 | 37,795,000 |
| Interest-bearing deposits | 29,053,000 | 30,301,000 | 29,338,000 | 32,102,000 |
| Noninterest-bearing deposits | 5,030,000 | 5,300,000 | 4,968,000 | 5,693,000 |
| Equity capital | 5,430,000 | 5,551,000 | 5,630,000 | 5,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 496,000 | 994,000 | 1,503,000 | 2,051,000 |
| Interest expense | 129,000 | 281,000 | 456,000 | 650,000 |
| Net interest income | 367,000 | 713,000 | 1,047,000 | 1,401,000 |
| Noninterest income | 238,000 | 458,000 | 721,000 | 954,000 |
| Noninterest expense | 478,000 | 930,000 | 1,402,000 | 1,882,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 124,000 | 238,000 | 363,000 | 460,000 |
| Income tax | 21,000 | 39,000 | 70,000 | 75,000 |
| Net income | 103,000 | 199,000 | 293,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,382,000 | 5,477,000 | 5,572,000 | 5,333,000 |
| Total capital | 5,672,000 | 5,767,000 | 5,862,000 | 5,623,000 |
| Risk-weighted assets | 26,248,000 | 27,538,000 | 27,156,000 | 32,106,000 |
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