Call reports 2017
CLEAR MOUNTAIN BANK, INC. — 2017
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 575,644,000 | 574,679,000 | 581,061,000 | 584,167,000 |
| Total loans | 445,672,000 | 446,818,000 | 451,265,000 | 446,835,000 |
| Allowance for loan losses | 7,007,000 | 7,070,000 | 7,233,000 | 7,263,000 |
| Securities available for sale | 44,441,000 | 46,852,000 | 50,903,000 | 53,786,000 |
| Securities held to maturity | 27,746,000 | 30,959,000 | 31,176,000 | 33,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,166,000 | 504,797,000 | 508,850,000 | 514,082,000 |
| Interest-bearing deposits | 362,597,000 | 365,576,000 | 366,704,000 | 372,834,000 |
| Noninterest-bearing deposits | 143,569,000 | 139,221,000 | 142,146,000 | 141,248,000 |
| Equity capital | 61,548,000 | 62,860,000 | 64,153,000 | 64,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,902,000 | 11,952,000 | 18,160,000 | 24,601,000 |
| Interest expense | 633,000 | 1,292,000 | 1,995,000 | 2,715,000 |
| Net interest income | 5,269,000 | 10,660,000 | 16,165,000 | 21,886,000 |
| Noninterest income | 1,416,000 | 2,988,000 | 4,556,000 | 6,218,000 |
| Noninterest expense | 4,072,000 | 8,441,000 | 12,685,000 | 17,075,000 |
| Provision for loan losses | 320,000 | 645,000 | 950,000 | 1,080,000 |
| Pretax income | 2,293,000 | 4,562,000 | 7,086,000 | 9,949,000 |
| Income tax | 824,000 | 1,640,000 | 2,549,000 | 4,089,000 |
| Net income | 1,469,000 | 2,922,000 | 4,537,000 | 5,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,383,000 | 63,586,000 | 64,901,000 | 66,258,000 |
| Total capital | 67,809,000 | 69,069,000 | 70,438,000 | 71,702,000 |
| Risk-weighted assets | 432,462,000 | 437,059,000 | 441,251,000 | 433,702,000 |