Call reports 2009
CLEAR MOUNTAIN BANK, INC. — 2009
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 352,556,000 | 367,116,000 | 373,253,000 | 385,083,000 |
| Total loans | 275,204,000 | 291,300,000 | 292,899,000 | 307,927,000 |
| Allowance for loan losses | 2,981,000 | 3,007,000 | 3,067,000 | 3,176,000 |
| Securities available for sale | 38,734,000 | 44,145,000 | 40,299,000 | 43,567,000 |
| Securities held to maturity | 11,162,000 | 11,482,000 | 11,473,000 | 11,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,955,000 | 328,522,000 | 333,823,000 | 343,142,000 |
| Interest-bearing deposits | 255,410,000 | 269,067,000 | 275,273,000 | 278,636,000 |
| Noninterest-bearing deposits | 60,545,000 | 59,455,000 | 58,550,000 | 64,506,000 |
| Equity capital | 31,518,000 | 32,364,000 | 33,560,000 | 34,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,958,000 | 10,055,000 | 15,290,000 | 20,623,000 |
| Interest expense | 1,773,000 | 3,552,000 | 5,305,000 | 7,007,000 |
| Net interest income | 3,185,000 | 6,503,000 | 9,985,000 | 13,616,000 |
| Noninterest income | 1,086,000 | 2,335,000 | 3,723,000 | 4,943,000 |
| Noninterest expense | 2,701,000 | 5,543,000 | 8,652,000 | 11,762,000 |
| Provision for loan losses | 152,000 | 304,000 | 562,000 | 830,000 |
| Pretax income | 1,418,000 | 2,991,000 | 4,524,000 | 5,997,000 |
| Income tax | 469,000 | 1,000,000 | 1,470,000 | 1,826,000 |
| Net income | 949,000 | 1,991,000 | 3,054,000 | 4,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,394,000 | 32,164,000 | 33,074,000 | 34,033,000 |
| Total capital | 34,309,000 | 35,171,000 | 36,122,000 | 37,209,000 |
| Risk-weighted assets | 233,625,000 | 245,459,000 | 243,791,000 | 259,196,000 |
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