Call reports 2012
CLEVELAND STATE BANK — 2012
What CLEVELAND STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,966,000 | 97,726,000 | 95,168,000 | 98,944,000 |
| Total loans | 51,883,000 | 53,260,000 | 52,774,000 | 57,507,000 |
| Allowance for loan losses | 901,000 | 993,000 | 993,000 | 1,022,000 |
| Securities available for sale | 33,844,000 | 33,550,000 | 31,188,000 | 32,955,000 |
| Securities held to maturity | 516,000 | 515,000 | 514,000 | 513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,743,000 | 87,632,000 | 83,104,000 | 83,229,000 |
| Interest-bearing deposits | 60,962,000 | 59,788,000 | 58,306,000 | 63,313,000 |
| Noninterest-bearing deposits | 27,781,000 | 27,844,000 | 24,798,000 | 19,916,000 |
| Equity capital | 8,162,000 | 8,929,000 | 9,310,000 | 9,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,940,000 | 2,921,000 | 3,892,000 |
| Interest expense | 164,000 | 323,000 | 476,000 | 620,000 |
| Net interest income | 796,000 | 1,617,000 | 2,445,000 | 3,272,000 |
| Noninterest income | 293,000 | 580,000 | 979,000 | 1,375,000 |
| Noninterest expense | 668,000 | 1,384,000 | 2,093,000 | 2,818,000 |
| Provision for loan losses | 30,000 | 166,000 | 166,000 | 200,000 |
| Pretax income | 391,000 | 647,000 | 1,165,000 | 1,653,000 |
| Income tax | 105,000 | 161,000 | 310,000 | 459,000 |
| Net income | 286,000 | 486,000 | 855,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,722,000 | 8,371,000 | 8,740,000 | 8,790,000 |
| Total capital | 8,408,000 | 9,065,000 | 9,421,000 | 9,538,000 |
| Risk-weighted assets | 54,483,000 | 55,222,000 | 54,222,000 | 59,570,000 |