Call reports 2012
CLEAR MOUNTAIN BANK, INC. — 2012
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 444,682,000 | 450,277,000 | 455,059,000 | 456,412,000 |
| Total loans | 330,243,000 | 337,365,000 | 351,114,000 | 356,148,000 |
| Allowance for loan losses | 4,749,000 | 4,937,000 | 5,250,000 | 5,424,000 |
| Securities available for sale | 42,903,000 | 45,671,000 | 44,355,000 | 42,302,000 |
| Securities held to maturity | 18,150,000 | 19,559,000 | 20,162,000 | 19,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,416,000 | 400,142,000 | 404,758,000 | 405,576,000 |
| Interest-bearing deposits | 301,078,000 | 308,947,000 | 311,950,000 | 311,724,000 |
| Noninterest-bearing deposits | 93,338,000 | 91,195,000 | 92,808,000 | 93,852,000 |
| Equity capital | 41,721,000 | 42,838,000 | 43,934,000 | 44,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,214,000 | 10,444,000 | 15,751,000 | 21,108,000 |
| Interest expense | 1,090,000 | 2,124,000 | 3,113,000 | 4,038,000 |
| Net interest income | 4,124,000 | 8,320,000 | 12,638,000 | 17,070,000 |
| Noninterest income | 1,320,000 | 2,791,000 | 4,337,000 | 6,021,000 |
| Noninterest expense | 3,295,000 | 6,631,000 | 10,256,000 | 14,256,000 |
| Provision for loan losses | 345,000 | 690,000 | 1,040,000 | 1,643,000 |
| Pretax income | 1,804,000 | 3,790,000 | 5,679,000 | 7,192,000 |
| Income tax | 598,000 | 1,357,000 | 2,015,000 | 2,563,000 |
| Net income | 1,206,000 | 2,433,000 | 3,664,000 | 4,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,693,000 | 42,780,000 | 43,836,000 | 44,531,000 |
| Total capital | 45,235,000 | 46,407,000 | 47,522,000 | 48,258,000 |
| Risk-weighted assets | 282,179,000 | 288,866,000 | 293,292,000 | 296,463,000 |