Call reports 2025
CLEVELAND STATE BANK — 2025
What CLEVELAND STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 228,088,000 | 224,842,000 | 222,175,000 | 231,615,000 |
| Total loans | 155,113,000 | 156,475,000 | 157,388,000 | 157,250,000 |
| Allowance for loan losses | 1,751,000 | 1,800,000 | 1,800,000 | 1,668,000 |
| Securities available for sale | 48,810,000 | 51,092,000 | 51,164,000 | 56,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,177,000 | 194,215,000 | 188,837,000 | 200,018,000 |
| Interest-bearing deposits | 147,292,000 | 144,202,000 | 139,460,000 | 149,274,000 |
| Noninterest-bearing deposits | 50,885,000 | 50,013,000 | 49,377,000 | 50,744,000 |
| Equity capital | 16,676,000 | 17,416,000 | 18,663,000 | 18,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,889,000 | 5,911,000 | 8,890,000 | 11,942,000 |
| Interest expense | 1,141,000 | 2,228,000 | 3,255,000 | 4,271,000 |
| Net interest income | 1,748,000 | 3,683,000 | 5,635,000 | 7,671,000 |
| Noninterest income | 339,000 | 732,000 | 1,084,000 | 1,516,000 |
| Noninterest expense | 1,474,000 | 3,018,000 | 4,735,000 | 6,803,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 610,000 | 1,328,000 | 1,933,000 | 2,271,000 |
| Income tax | 114,000 | 274,000 | 365,000 | 436,000 |
| Net income | 496,000 | 1,054,000 | 1,568,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,980,000 | 21,537,000 | 22,051,000 | 21,804,000 |