Call reports 2011
CLEAR MOUNTAIN BANK, INC. — 2011
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 406,824,000 | 409,445,000 | 412,784,000 | 425,815,000 |
| Total loans | 314,729,000 | 317,916,000 | 324,510,000 | 332,081,000 |
| Allowance for loan losses | 4,002,000 | 4,054,000 | 4,225,000 | 4,421,000 |
| Securities available for sale | 35,392,000 | 40,636,000 | 39,185,000 | 36,676,000 |
| Securities held to maturity | 15,346,000 | 17,350,000 | 17,218,000 | 17,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,523,000 | 364,256,000 | 366,032,000 | 376,002,000 |
| Interest-bearing deposits | 291,874,000 | 289,548,000 | 290,002,000 | 293,738,000 |
| Noninterest-bearing deposits | 70,649,000 | 74,708,000 | 76,030,000 | 82,264,000 |
| Equity capital | 37,708,000 | 38,885,000 | 39,968,000 | 40,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,156,000 | 10,318,000 | 15,543,000 | 20,812,000 |
| Interest expense | 1,313,000 | 2,591,000 | 3,821,000 | 5,009,000 |
| Net interest income | 3,843,000 | 7,727,000 | 11,722,000 | 15,803,000 |
| Noninterest income | 1,174,000 | 2,529,000 | 4,028,000 | 5,535,000 |
| Noninterest expense | 3,013,000 | 6,081,000 | 9,204,000 | 12,598,000 |
| Provision for loan losses | 570,000 | 870,000 | 1,400,000 | 1,900,000 |
| Pretax income | 1,434,000 | 3,305,000 | 5,146,000 | 6,840,000 |
| Income tax | 564,000 | 1,185,000 | 1,781,000 | 2,491,000 |
| Net income | 870,000 | 2,120,000 | 3,365,000 | 4,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,707,000 | 38,624,000 | 39,712,000 | 40,481,000 |
| Total capital | 40,997,000 | 41,984,000 | 43,157,000 | 44,023,000 |
| Risk-weighted assets | 262,523,000 | 268,075,000 | 274,845,000 | 282,722,000 |