Call reports 2013
CLEAR MOUNTAIN BANK, INC. — 2013
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 467,938,000 | 467,863,000 | 472,937,000 | 482,945,000 |
| Total loans | 354,803,000 | 364,204,000 | 373,393,000 | 378,494,000 |
| Allowance for loan losses | 5,701,000 | 5,912,000 | 6,121,000 | 5,589,000 |
| Securities available for sale | 49,271,000 | 45,978,000 | 44,121,000 | 41,555,000 |
| Securities held to maturity | 21,394,000 | 21,779,000 | 21,249,000 | 21,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,649,000 | 416,274,000 | 420,062,000 | 429,845,000 |
| Interest-bearing deposits | 315,491,000 | 315,240,000 | 319,331,000 | 327,360,000 |
| Noninterest-bearing deposits | 100,158,000 | 101,034,000 | 100,731,000 | 102,485,000 |
| Equity capital | 45,377,000 | 45,714,000 | 46,895,000 | 47,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,247,000 | 10,581,000 | 15,983,000 | 21,577,000 |
| Interest expense | 862,000 | 1,707,000 | 2,545,000 | 3,360,000 |
| Net interest income | 4,385,000 | 8,874,000 | 13,438,000 | 18,217,000 |
| Noninterest income | 1,600,000 | 3,285,000 | 4,859,000 | 6,282,000 |
| Noninterest expense | 3,837,000 | 7,539,000 | 11,180,000 | 15,099,000 |
| Provision for loan losses | 353,000 | 675,000 | 1,028,000 | 1,465,000 |
| Pretax income | 1,813,000 | 3,963,000 | 6,107,000 | 7,871,000 |
| Income tax | 624,000 | 1,396,000 | 2,140,000 | 2,777,000 |
| Net income | 1,189,000 | 2,567,000 | 3,967,000 | 5,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,570,000 | 46,109,000 | 47,978,000 | 48,554,000 |
| Total capital | 49,349,000 | 50,006,000 | 51,977,000 | 52,631,000 |
| Risk-weighted assets | 300,384,000 | 309,745,000 | 317,829,000 | 324,643,000 |
Machine access — free, no API key
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