Call reports 2008
CLEVELAND STATE BANK — 2008
What CLEVELAND STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,952,000 | 65,791,000 | 66,914,000 | 70,908,000 |
| Total loans | 49,297,000 | 50,854,000 | 52,195,000 | 56,136,000 |
| Allowance for loan losses | 353,000 | 368,000 | 378,000 | 469,000 |
| Securities available for sale | 8,688,000 | 8,939,000 | 8,265,000 | 7,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,910,000 | 54,447,000 | 52,766,000 | 58,175,000 |
| Interest-bearing deposits | 50,528,000 | 47,199,000 | 46,053,000 | 50,459,000 |
| Noninterest-bearing deposits | 6,382,000 | 7,247,000 | 6,713,000 | 7,716,000 |
| Equity capital | 5,822,000 | 5,873,000 | 6,056,000 | 5,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,056,000 | 2,043,000 | 3,038,000 | 4,043,000 |
| Interest expense | 504,000 | 958,000 | 1,369,000 | 1,790,000 |
| Net interest income | 552,000 | 1,085,000 | 1,669,000 | 2,253,000 |
| Noninterest income | 238,000 | 460,000 | 683,000 | 3,009,000 |
| Noninterest expense | 543,000 | 1,118,000 | 1,655,000 | 2,255,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 160,000 |
| Pretax income | 232,000 | 397,000 | 652,000 | 2,847,000 |
| Income tax | 81,000 | 116,000 | 202,000 | 2,337,000 |
| Net income | 151,000 | 281,000 | 450,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,754,000 | 5,884,000 | 6,053,000 | 5,850,000 |
| Total capital | 6,107,000 | 6,252,000 | 6,432,000 | 6,319,000 |
| Risk-weighted assets | 51,237,000 | 52,523,000 | 53,115,000 | 56,605,000 |
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