Call reports 2019
CLEAR MOUNTAIN BANK, INC. — 2019
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 626,899,000 | 638,908,000 | 653,493,000 | 648,623,000 |
| Total loans | 463,195,000 | 468,916,000 | 476,173,000 | 487,752,000 |
| Allowance for loan losses | 7,824,000 | 7,639,000 | 7,813,000 | 7,895,000 |
| Securities available for sale | 60,280,000 | 66,560,000 | 75,042,000 | 80,881,000 |
| Securities held to maturity | 31,036,000 | 31,525,000 | 31,064,000 | 29,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,208,000 | 556,986,000 | 569,779,000 | 563,629,000 |
| Interest-bearing deposits | 394,587,000 | 399,865,000 | 403,500,000 | 403,541,000 |
| Noninterest-bearing deposits | 152,621,000 | 157,121,000 | 166,279,000 | 160,088,000 |
| Equity capital | 73,563,000 | 75,880,000 | 77,887,000 | 79,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,000,000 | 14,312,000 | 21,754,000 | 29,200,000 |
| Interest expense | 1,109,000 | 2,340,000 | 3,600,000 | 4,820,000 |
| Net interest income | 5,891,000 | 11,972,000 | 18,154,000 | 24,380,000 |
| Noninterest income | 1,538,000 | 3,292,000 | 5,229,000 | 7,200,000 |
| Noninterest expense | 4,531,000 | 9,419,000 | 14,406,000 | 19,736,000 |
| Provision for loan losses | 239,000 | 498,000 | 712,000 | 961,000 |
| Pretax income | 2,659,000 | 5,347,000 | 8,265,000 | 10,883,000 |
| Income tax | 629,000 | 1,139,000 | 1,813,000 | 2,410,000 |
| Net income | 2,030,000 | 4,208,000 | 6,452,000 | 8,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,625,000 | 76,403,000 | 78,448,000 | 80,193,000 |
| Total capital | 80,332,000 | 82,204,000 | 84,414,000 | 86,387,000 |
| Risk-weighted assets | 454,496,000 | 462,318,000 | 475,478,000 | 493,859,000 |