Call reports 2016
CLEVELAND STATE BANK — 2016
What CLEVELAND STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 107,139,000 | 105,744,000 | 106,601,000 | 110,107,000 |
| Total loans | 62,019,000 | 63,220,000 | 64,062,000 | 67,966,000 |
| Allowance for loan losses | 1,032,000 | 1,046,000 | 1,057,000 | 1,064,000 |
| Securities available for sale | 32,263,000 | 30,672,000 | 31,706,000 | 30,635,000 |
| Securities held to maturity | 1,429,000 | 1,373,000 | 1,371,000 | 1,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,943,000 | 91,027,000 | 93,213,000 | 95,857,000 |
| Interest-bearing deposits | 65,318,000 | 63,360,000 | 62,456,000 | 67,735,000 |
| Noninterest-bearing deposits | 28,625,000 | 27,667,000 | 30,757,000 | 28,122,000 |
| Equity capital | 11,563,000 | 11,930,000 | 12,166,000 | 11,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,011,000 | 2,014,000 | 3,022,000 | 4,048,000 |
| Interest expense | 115,000 | 219,000 | 320,000 | 419,000 |
| Net interest income | 896,000 | 1,795,000 | 2,702,000 | 3,629,000 |
| Noninterest income | 215,000 | 486,000 | 849,000 | 1,279,000 |
| Noninterest expense | 856,000 | 1,752,000 | 2,630,000 | 4,031,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 252,000 | 529,000 | 921,000 | 877,000 |
| Income tax | 48,000 | 120,000 | 218,000 | 182,000 |
| Net income | 204,000 | 409,000 | 703,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,287,000 | 11,494,000 | 11,788,000 | 11,501,000 |
| Total capital | 12,116,000 | 12,338,000 | 12,678,000 | 12,311,000 |
| Risk-weighted assets | 66,184,000 | 67,282,000 | 71,030,000 | 64,589,000 |