Call reports 2025
CLEAR MOUNTAIN BANK, INC. — 2025
What CLEAR MOUNTAIN BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 992,072,000 | 979,478,000 | 997,600,000 | 984,883,000 |
| Total loans | 700,647,000 | 701,050,000 | 741,380,000 | 748,714,000 |
| Allowance for loan losses | 9,593,000 | 9,704,000 | 10,095,000 | 10,076,000 |
| Securities available for sale | 175,615,000 | 169,808,000 | 169,337,000 | 156,158,000 |
| Securities held to maturity | 14,144,000 | 13,974,000 | 13,950,000 | 13,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 856,720,000 | 865,608,000 | 861,230,000 | 853,351,000 |
| Interest-bearing deposits | 595,607,000 | 603,208,000 | 608,729,000 | 603,343,000 |
| Noninterest-bearing deposits | 261,113,000 | 262,400,000 | 252,501,000 | 250,008,000 |
| Equity capital | 103,183,000 | 105,504,000 | 112,874,000 | 117,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,310,000 | 27,257,000 | 41,457,000 | 55,966,000 |
| Interest expense | 3,964,000 | 7,743,000 | 11,519,000 | 15,304,000 |
| Net interest income | 9,346,000 | 19,514,000 | 29,938,000 | 40,662,000 |
| Noninterest income | 1,773,000 | 3,624,000 | 5,741,000 | 7,902,000 |
| Noninterest expense | 7,011,000 | 14,455,000 | 22,080,000 | 29,761,000 |
| Provision for loan losses | 42,000 | 242,000 | 731,000 | 1,065,000 |
| Pretax income | 3,757,000 | 8,013,000 | 12,164,000 | 15,751,000 |
| Income tax | 467,000 | 1,290,000 | 2,120,000 | 3,085,000 |
| Net income | 3,290,000 | 6,723,000 | 10,044,000 | 12,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,697,000 | 128,732,000 | 132,052,000 | 134,054,000 |