Call reports 2007
CLEAR LAKE BANK AND TRUST COMPANY — 2007
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 205,582,000 | 208,694,000 | 205,705,000 | 207,094,000 |
| Total loans | 156,817,000 | 161,011,000 | 159,360,000 | 161,408,000 |
| Allowance for loan losses | 1,804,000 | 1,808,000 | 1,823,000 | 1,868,000 |
| Securities available for sale | 28,487,000 | 26,872,000 | 26,198,000 | 24,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,050,000 | 181,785,000 | 177,347,000 | 177,901,000 |
| Interest-bearing deposits | 159,664,000 | 159,976,000 | 156,058,000 | 155,413,000 |
| Noninterest-bearing deposits | 18,386,000 | 21,809,000 | 21,289,000 | 22,488,000 |
| Equity capital | 16,131,000 | 15,608,000 | 16,295,000 | 16,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,121,000 | 6,375,000 | 9,632,000 | 12,877,000 |
| Interest expense | 1,489,000 | 3,067,000 | 4,681,000 | 6,241,000 |
| Net interest income | 1,632,000 | 3,308,000 | 4,951,000 | 6,636,000 |
| Noninterest income | 354,000 | 727,000 | 1,120,000 | 1,556,000 |
| Noninterest expense | 1,298,000 | 2,619,000 | 4,035,000 | 5,350,000 |
| Provision for loan losses | 65,000 | 133,000 | 165,000 | 198,000 |
| Pretax income | 618,000 | 1,278,000 | 1,866,000 | 2,639,000 |
| Income tax | 31,000 | 64,000 | 93,000 | 132,000 |
| Net income | 587,000 | 1,214,000 | 1,773,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,631,000 | 15,296,000 | 15,760,000 | 15,856,000 |
| Total capital | 17,435,000 | 17,104,000 | 17,583,000 | 17,724,000 |
| Risk-weighted assets | 161,281,000 | 163,834,000 | 161,809,000 | 165,280,000 |
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