Call reports 2015
CLEVELAND STATE BANK — 2015
What CLEVELAND STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 101,609,000 | 103,488,000 | 103,248,000 | 109,979,000 |
| Total loans | 59,742,000 | 60,594,000 | 60,792,000 | 61,473,000 |
| Allowance for loan losses | 1,057,000 | 1,012,000 | 1,016,000 | 1,025,000 |
| Securities available for sale | 30,679,000 | 29,760,000 | 30,903,000 | 32,005,000 |
| Securities held to maturity | 1,485,000 | 1,433,000 | 1,432,000 | 1,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,657,000 | 91,404,000 | 89,781,000 | 97,840,000 |
| Interest-bearing deposits | 64,616,000 | 63,629,000 | 63,774,000 | 70,866,000 |
| Noninterest-bearing deposits | 24,041,000 | 27,775,000 | 26,007,000 | 26,974,000 |
| Equity capital | 10,952,000 | 11,024,000 | 11,348,000 | 11,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 955,000 | 1,930,000 | 2,913,000 | 3,895,000 |
| Interest expense | 114,000 | 226,000 | 335,000 | 445,000 |
| Net interest income | 841,000 | 1,704,000 | 2,578,000 | 3,450,000 |
| Noninterest income | 221,000 | 490,000 | 764,000 | 896,000 |
| Noninterest expense | 774,000 | 1,543,000 | 2,365,000 | 3,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 290,000 | 653,000 | 980,000 | 1,153,000 |
| Income tax | 53,000 | 152,000 | 269,000 | 308,000 |
| Net income | 237,000 | 501,000 | 711,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,754,000 | 11,018,000 | 11,227,000 | 11,084,000 |
| Total capital | 11,525,000 | 11,784,000 | 12,029,000 | 11,881,000 |
| Risk-weighted assets | 61,398,000 | 61,069,000 | 63,996,000 | 63,598,000 |