Call reports 2007
CLEAR MOUNTAIN BANK, INC. — 2007
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 290,169,000 | 294,345,000 | 300,302,000 | 301,784,000 |
| Total loans | 222,340,000 | 228,880,000 | 231,444,000 | 237,965,000 |
| Allowance for loan losses | 2,225,000 | 2,285,000 | 2,415,000 | 2,618,000 |
| Securities available for sale | 35,260,000 | 37,282,000 | 38,800,000 | 35,434,000 |
| Securities held to maturity | 6,350,000 | 6,819,000 | 7,329,000 | 8,136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,143,000 | 257,587,000 | 264,382,000 | 264,368,000 |
| Interest-bearing deposits | 204,624,000 | 206,425,000 | 211,705,000 | 213,412,000 |
| Noninterest-bearing deposits | 50,519,000 | 51,162,000 | 52,677,000 | 50,956,000 |
| Equity capital | 27,005,000 | 27,074,000 | 27,977,000 | 28,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,809,000 | 9,762,000 | 14,966,000 | 20,234,000 |
| Interest expense | 1,864,000 | 3,827,000 | 5,895,000 | 7,991,000 |
| Net interest income | 2,945,000 | 5,935,000 | 9,071,000 | 12,243,000 |
| Noninterest income | 696,000 | 1,484,000 | 2,272,000 | 3,050,000 |
| Noninterest expense | 2,431,000 | 4,906,000 | 7,217,000 | 10,035,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,090,000 | 2,273,000 | 3,766,000 | 4,778,000 |
| Income tax | 284,000 | 698,000 | 1,228,000 | 1,680,000 |
| Net income | 806,000 | 1,575,000 | 2,538,000 | 3,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,118,000 | 27,421,000 | 28,099,000 | 28,439,000 |
| Total capital | 29,343,000 | 29,706,000 | 30,514,000 | 31,050,000 |
| Risk-weighted assets | 199,189,000 | 204,338,000 | 205,774,000 | 208,854,000 |
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