Call reports 2015
CLEAR MOUNTAIN BANK, INC. — 2015
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 509,997,000 | 513,775,000 | 513,779,000 | 527,797,000 |
| Total loans | 392,466,000 | 396,995,000 | 402,952,000 | 412,377,000 |
| Allowance for loan losses | 6,000,000 | 6,260,000 | 6,012,000 | 6,196,000 |
| Securities available for sale | 40,874,000 | 51,430,000 | 49,868,000 | 45,031,000 |
| Securities held to maturity | 21,509,000 | 23,667,000 | 22,576,000 | 21,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,187,000 | 451,966,000 | 450,828,000 | 464,977,000 |
| Interest-bearing deposits | 333,438,000 | 335,386,000 | 335,723,000 | 345,499,000 |
| Noninterest-bearing deposits | 115,749,000 | 116,580,000 | 115,105,000 | 119,478,000 |
| Equity capital | 53,788,000 | 54,394,000 | 55,858,000 | 56,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,375,000 | 10,884,000 | 16,358,000 | 21,906,000 |
| Interest expense | 632,000 | 1,227,000 | 1,790,000 | 2,360,000 |
| Net interest income | 4,743,000 | 9,657,000 | 14,568,000 | 19,546,000 |
| Noninterest income | 1,321,000 | 2,964,000 | 4,525,000 | 6,060,000 |
| Noninterest expense | 3,744,000 | 7,746,000 | 11,837,000 | 16,016,000 |
| Provision for loan losses | 360,000 | 721,000 | 1,084,000 | 1,416,000 |
| Pretax income | 1,960,000 | 4,154,000 | 6,172,000 | 8,174,000 |
| Income tax | 716,000 | 1,496,000 | 2,210,000 | 2,936,000 |
| Net income | 1,244,000 | 2,658,000 | 3,962,000 | 5,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,247,000 | 55,060,000 | 56,365,000 | 56,990,000 |
| Total capital | 58,965,000 | 59,831,000 | 61,241,000 | 62,100,000 |
| Risk-weighted assets | 379,145,000 | 380,158,000 | 388,958,000 | 407,752,000 |