Call reports 2007
CLEVELAND STATE BANK — 2007
What CLEVELAND STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 59,991,000 | 62,003,000 | 63,117,000 | 66,367,000 |
| Total loans | 44,322,000 | 46,463,000 | 47,514,000 | 49,934,000 |
| Allowance for loan losses | 320,000 | 326,000 | 332,000 | 338,000 |
| Securities available for sale | 9,737,000 | 9,741,000 | 9,674,000 | 9,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,464,000 | 53,140,000 | 55,131,000 | 57,319,000 |
| Interest-bearing deposits | 45,386,000 | 47,083,000 | 48,772,000 | 50,191,000 |
| Noninterest-bearing deposits | 5,078,000 | 6,057,000 | 6,359,000 | 7,128,000 |
| Equity capital | 5,530,000 | 5,551,000 | 5,759,000 | 5,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 909,000 | 1,870,000 | 2,871,000 | 3,879,000 |
| Interest expense | 470,000 | 980,000 | 1,507,000 | 2,028,000 |
| Net interest income | 439,000 | 890,000 | 1,364,000 | 1,851,000 |
| Noninterest income | 211,000 | 430,000 | 658,000 | 882,000 |
| Noninterest expense | 519,000 | 1,030,000 | 1,535,000 | 2,076,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 125,000 | 278,000 | 469,000 | 628,000 |
| Income tax | 40,000 | 93,000 | 160,000 | 201,000 |
| Net income | 85,000 | 185,000 | 309,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,521,000 | 5,621,000 | 5,745,000 | 5,601,000 |
| Total capital | 5,841,000 | 5,947,000 | 6,077,000 | 5,939,000 |
| Risk-weighted assets | 47,003,000 | 48,313,000 | 48,940,000 | 50,814,000 |
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