Call reports 2008
CLEAR MOUNTAIN BANK, INC. — 2008
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 311,203,000 | 319,110,000 | 331,277,000 | 337,918,000 |
| Total loans | 241,342,000 | 249,184,000 | 261,643,000 | 272,125,000 |
| Allowance for loan losses | 2,700,000 | 2,719,000 | 2,885,000 | 2,796,000 |
| Securities available for sale | 33,968,000 | 39,542,000 | 38,109,000 | 35,757,000 |
| Securities held to maturity | 9,099,000 | 10,245,000 | 10,753,000 | 10,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,532,000 | 280,165,000 | 290,382,000 | 298,358,000 |
| Interest-bearing deposits | 220,073,000 | 223,481,000 | 231,862,000 | 241,063,000 |
| Noninterest-bearing deposits | 54,459,000 | 56,684,000 | 58,520,000 | 57,295,000 |
| Equity capital | 28,920,000 | 29,101,000 | 29,789,000 | 30,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,063,000 | 9,931,000 | 14,949,000 | 19,964,000 |
| Interest expense | 1,993,000 | 3,848,000 | 5,741,000 | 7,629,000 |
| Net interest income | 3,070,000 | 6,083,000 | 9,208,000 | 12,335,000 |
| Noninterest income | 783,000 | 1,703,000 | 2,663,000 | 3,745,000 |
| Noninterest expense | 2,544,000 | 5,165,000 | 7,811,000 | 10,793,000 |
| Provision for loan losses | 127,000 | 262,000 | 402,000 | 611,000 |
| Pretax income | 1,187,000 | 2,364,000 | 3,185,000 | 4,214,000 |
| Income tax | 409,000 | 697,000 | 947,000 | 1,302,000 |
| Net income | 778,000 | 1,667,000 | 2,238,000 | 2,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,534,000 | 29,272,000 | 29,777,000 | 30,234,000 |
| Total capital | 31,209,000 | 31,991,000 | 32,642,000 | 33,030,000 |
| Risk-weighted assets | 213,982,000 | 220,727,000 | 229,217,000 | 234,060,000 |
Machine access — free, no API key
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