Call reports 2021
CLEAR MOUNTAIN BANK, INC. — 2021
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 833,587,000 | 835,575,000 | 842,836,000 | 873,423,000 |
| Total loans | 561,301,000 | 556,095,000 | 549,079,000 | 545,609,000 |
| Allowance for loan losses | 9,601,000 | 9,691,000 | 9,573,000 | 9,697,000 |
| Securities available for sale | 159,293,000 | 188,631,000 | 197,778,000 | 214,941,000 |
| Securities held to maturity | 21,259,000 | 23,202,000 | 22,264,000 | 20,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 734,369,000 | 733,555,000 | 740,728,000 | 770,089,000 |
| Interest-bearing deposits | 466,896,000 | 474,825,000 | 473,889,000 | 494,321,000 |
| Noninterest-bearing deposits | 267,473,000 | 258,730,000 | 266,839,000 | 275,768,000 |
| Equity capital | 93,537,000 | 96,845,000 | 96,750,000 | 98,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,540,000 | 15,539,000 | 23,511,000 | 31,059,000 |
| Interest expense | 771,000 | 1,477,000 | 2,135,000 | 2,723,000 |
| Net interest income | 6,769,000 | 14,062,000 | 21,376,000 | 28,336,000 |
| Noninterest income | 2,320,000 | 4,713,000 | 7,239,000 | 9,442,000 |
| Noninterest expense | 5,410,000 | 10,919,000 | 16,992,000 | 23,168,000 |
| Provision for loan losses | 0 | 125,000 | 215,000 | 325,000 |
| Pretax income | 3,712,000 | 7,764,000 | 11,441,000 | 14,318,000 |
| Income tax | 849,000 | 1,562,000 | 2,371,000 | 2,969,000 |
| Net income | 2,863,000 | 6,202,000 | 9,070,000 | 11,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,579,000 | 95,816,000 | 96,686,000 | 98,188,000 |