Call reports 2004
CLEAR MOUNTAIN BANK, INC. — 2004
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 170,543,000 | 176,274,000 | 177,149,000 | 176,616,000 |
| Total loans | 145,375,000 | 151,695,000 | 153,060,000 | 152,674,000 |
| Allowance for loan losses | 1,637,000 | 1,693,000 | 1,796,000 | 1,749,000 |
| Securities available for sale | 13,719,000 | 11,937,000 | 11,811,000 | 11,352,000 |
| Securities held to maturity | 1,131,000 | 1,098,000 | 943,000 | 909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,437,000 | 148,873,000 | 154,344,000 | 152,872,000 |
| Interest-bearing deposits | 119,587,000 | 118,667,000 | 122,565,000 | 120,838,000 |
| Noninterest-bearing deposits | 30,850,000 | 30,206,000 | 31,779,000 | 32,034,000 |
| Equity capital | 17,178,000 | 17,527,000 | 17,969,000 | 17,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,491,000 | 5,041,000 | 7,604,000 | 10,272,000 |
| Interest expense | 598,000 | 1,208,000 | 1,855,000 | 2,534,000 |
| Net interest income | 1,893,000 | 3,833,000 | 5,749,000 | 7,738,000 |
| Noninterest income | 437,000 | 938,000 | 1,427,000 | 1,996,000 |
| Noninterest expense | 1,560,000 | 3,054,000 | 4,609,000 | 6,300,000 |
| Provision for loan losses | 87,000 | 175,000 | 265,000 | 355,000 |
| Pretax income | 756,000 | 1,615,000 | 2,375,000 | 3,152,000 |
| Income tax | 289,000 | 604,000 | 879,000 | 1,170,000 |
| Net income | 467,000 | 1,011,000 | 1,496,000 | 1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,100,000 | 17,592,000 | 17,933,000 | 17,945,000 |
| Total capital | 18,670,000 | 19,227,000 | 19,578,000 | 19,600,000 |
| Risk-weighted assets | 125,494,000 | 130,759,000 | 131,487,000 | 132,283,000 |
Machine access — free, no API key
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