Call reports 2006
CLEAR MOUNTAIN BANK, INC. — 2006
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 267,204,000 | 267,987,000 | 275,224,000 | 283,420,000 |
| Total loans | 220,223,000 | 219,945,000 | 224,242,000 | 226,810,000 |
| Allowance for loan losses | 2,670,000 | 2,803,000 | 2,807,000 | 2,653,000 |
| Securities available for sale | 24,502,000 | 29,239,000 | 27,853,000 | 28,600,000 |
| Securities held to maturity | 1,105,000 | 1,072,000 | 4,005,000 | 4,968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,457,000 | 231,136,000 | 238,967,000 | 248,678,000 |
| Interest-bearing deposits | 182,541,000 | 180,844,000 | 185,308,000 | 198,783,000 |
| Noninterest-bearing deposits | 48,916,000 | 50,292,000 | 53,659,000 | 49,895,000 |
| Equity capital | 26,127,000 | 26,578,000 | 27,495,000 | 26,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,227,000 | 8,762,000 | 13,413,000 | 18,262,000 |
| Interest expense | 1,381,000 | 2,878,000 | 4,513,000 | 6,273,000 |
| Net interest income | 2,846,000 | 5,884,000 | 8,900,000 | 11,989,000 |
| Noninterest income | 760,000 | 1,487,000 | 2,238,000 | 2,992,000 |
| Noninterest expense | 2,221,000 | 4,627,000 | 6,930,000 | 9,597,000 |
| Provision for loan losses | 141,000 | 211,000 | 316,000 | 388,000 |
| Pretax income | 1,244,000 | 2,533,000 | 3,892,000 | 4,996,000 |
| Income tax | 460,000 | 798,000 | 1,290,000 | 1,693,000 |
| Net income | 784,000 | 1,735,000 | 2,602,000 | 3,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,462,000 | 27,032,000 | 27,673,000 | 26,641,000 |
| Total capital | 28,851,000 | 29,431,000 | 30,135,000 | 29,151,000 |
| Risk-weighted assets | 190,853,000 | 191,510,000 | 196,575,000 | 200,695,000 |
Machine access — free, no API key
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