Call reports 2014
CLEAR MOUNTAIN BANK, INC. — 2014
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 485,058,000 | 496,260,000 | 490,534,000 | 487,340,000 |
| Total loans | 378,776,000 | 390,460,000 | 393,139,000 | 392,751,000 |
| Allowance for loan losses | 5,902,000 | 6,104,000 | 5,596,000 | 5,822,000 |
| Securities available for sale | 39,700,000 | 41,864,000 | 42,602,000 | 41,690,000 |
| Securities held to maturity | 20,989,000 | 20,613,000 | 20,587,000 | 20,062,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,162,000 | 441,634,000 | 433,638,000 | 429,570,000 |
| Interest-bearing deposits | 326,317,000 | 328,449,000 | 327,074,000 | 322,109,000 |
| Noninterest-bearing deposits | 104,845,000 | 113,185,000 | 106,564,000 | 107,461,000 |
| Equity capital | 48,702,000 | 49,900,000 | 51,255,000 | 52,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,375,000 | 10,776,000 | 16,241,000 | 21,763,000 |
| Interest expense | 758,000 | 1,492,000 | 2,208,000 | 2,887,000 |
| Net interest income | 4,617,000 | 9,284,000 | 14,033,000 | 18,876,000 |
| Noninterest income | 1,360,000 | 2,822,000 | 4,374,000 | 5,925,000 |
| Noninterest expense | 3,701,000 | 7,593,000 | 11,264,000 | 15,406,000 |
| Provision for loan losses | 353,000 | 705,000 | 1,208,000 | 1,560,000 |
| Pretax income | 1,923,000 | 3,808,000 | 5,935,000 | 7,835,000 |
| Income tax | 694,000 | 1,352,000 | 2,103,000 | 2,787,000 |
| Net income | 1,229,000 | 2,456,000 | 3,832,000 | 5,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,584,000 | 50,586,000 | 51,962,000 | 53,002,000 |
| Total capital | 53,632,000 | 54,712,000 | 56,116,000 | 57,181,000 |
| Risk-weighted assets | 321,958,000 | 328,123,000 | 330,859,000 | 332,698,000 |
Machine access — free, no API key
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