Call reports 2008
CLEAR LAKE BANK AND TRUST COMPANY — 2008
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 216,571,000 | 211,743,000 | 213,010,000 | 213,870,000 |
| Total loans | 165,236,000 | 171,961,000 | 179,080,000 | 177,766,000 |
| Allowance for loan losses | 1,870,000 | 1,896,000 | 1,947,000 | 1,924,000 |
| Securities available for sale | 21,552,000 | 19,618,000 | 19,420,000 | 19,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,102,000 | 181,357,000 | 182,080,000 | 181,528,000 |
| Interest-bearing deposits | 165,494,000 | 158,730,000 | 158,794,000 | 157,590,000 |
| Noninterest-bearing deposits | 20,608,000 | 22,627,000 | 23,286,000 | 23,938,000 |
| Equity capital | 17,055,000 | 16,644,000 | 16,929,000 | 18,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,188,000 | 6,279,000 | 9,445,000 | 12,600,000 |
| Interest expense | 1,456,000 | 2,690,000 | 3,840,000 | 4,934,000 |
| Net interest income | 1,732,000 | 3,589,000 | 5,605,000 | 7,666,000 |
| Noninterest income | 382,000 | 865,000 | 1,321,000 | 1,733,000 |
| Noninterest expense | 1,412,000 | 2,889,000 | 4,380,000 | 5,916,000 |
| Provision for loan losses | 51,000 | 92,000 | 152,000 | 247,000 |
| Pretax income | 651,000 | 1,479,000 | 2,400,000 | 3,242,000 |
| Income tax | 0 | 16,000 | 58,000 | 96,000 |
| Net income | 651,000 | 1,463,000 | 2,342,000 | 3,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,236,000 | 16,114,000 | 16,374,000 | 17,318,000 |
| Total capital | 18,106,000 | 18,010,000 | 18,321,000 | 19,242,000 |
| Risk-weighted assets | 168,471,000 | 173,122,000 | 178,203,000 | 175,235,000 |
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