Call reports 2013
CLEVELAND STATE BANK — 2013
What CLEVELAND STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 97,334,000 | 101,575,000 | 100,340,000 | 106,928,000 |
| Total loans | 53,459,000 | 54,346,000 | 55,082,000 | 57,331,000 |
| Allowance for loan losses | 1,026,000 | 1,000,000 | 1,040,000 | 1,073,000 |
| Securities available for sale | 30,706,000 | 35,329,000 | 34,899,000 | 34,573,000 |
| Securities held to maturity | 513,000 | 512,000 | 511,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,040,000 | 88,894,000 | 90,172,000 | 96,935,000 |
| Interest-bearing deposits | 61,405,000 | 60,198,000 | 62,636,000 | 69,210,000 |
| Noninterest-bearing deposits | 25,635,000 | 28,696,000 | 27,536,000 | 27,725,000 |
| Equity capital | 9,525,000 | 9,439,000 | 9,404,000 | 9,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,904,000 | 2,889,000 | 3,926,000 |
| Interest expense | 134,000 | 258,000 | 371,000 | 484,000 |
| Net interest income | 791,000 | 1,646,000 | 2,518,000 | 3,442,000 |
| Noninterest income | 309,000 | 607,000 | 864,000 | 1,105,000 |
| Noninterest expense | 720,000 | 1,447,000 | 2,165,000 | 2,870,000 |
| Provision for loan losses | 0 | 64,000 | 104,000 | 150,000 |
| Pretax income | 388,000 | 806,000 | 1,176,000 | 1,502,000 |
| Income tax | 99,000 | 152,000 | 242,000 | 292,000 |
| Net income | 289,000 | 654,000 | 934,000 | 1,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,080,000 | 9,444,000 | 9,939,000 | 9,723,000 |
| Total capital | 9,790,000 | 10,225,000 | 10,604,000 | 10,538,000 |
| Risk-weighted assets | 56,794,000 | 62,264,000 | 61,928,000 | 64,909,000 |