Call reports 2011
CLEVELAND STATE BANK — 2011
What CLEVELAND STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,188,000 | 93,567,000 | 94,704,000 | 93,267,000 |
| Total loans | 51,711,000 | 52,839,000 | 54,157,000 | 53,312,000 |
| Allowance for loan losses | 828,000 | 858,000 | 861,000 | 871,000 |
| Securities available for sale | 23,746,000 | 28,365,000 | 28,052,000 | 31,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,454,000 | 82,317,000 | 84,121,000 | 84,216,000 |
| Interest-bearing deposits | 63,774,000 | 61,344,000 | 62,691,000 | 63,033,000 |
| Noninterest-bearing deposits | 20,680,000 | 20,973,000 | 21,430,000 | 21,183,000 |
| Equity capital | 6,890,000 | 7,273,000 | 7,956,000 | 7,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,964,000 | 2,962,000 | 3,981,000 |
| Interest expense | 260,000 | 514,000 | 727,000 | 976,000 |
| Net interest income | 716,000 | 1,450,000 | 2,235,000 | 3,005,000 |
| Noninterest income | 226,000 | 459,000 | 789,000 | 1,172,000 |
| Noninterest expense | 667,000 | 1,298,000 | 1,903,000 | 2,618,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 245,000 | 551,000 | 1,031,000 | 1,399,000 |
| Income tax | 25,000 | 114,000 | 180,000 | 333,000 |
| Net income | 220,000 | 437,000 | 851,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,853,000 | 7,061,000 | 7,484,000 | 7,434,000 |
| Total capital | 7,540,000 | 7,780,000 | 8,184,000 | 8,121,000 |
| Risk-weighted assets | 54,087,000 | 56,623,000 | 55,095,000 | 54,748,000 |