Call reports 2009
CLEAR LAKE BANK AND TRUST COMPANY — 2009
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 223,764,000 | 226,367,000 | 228,231,000 | 227,194,000 |
| Total loans | 177,348,000 | 182,163,000 | 185,721,000 | 181,598,000 |
| Allowance for loan losses | 2,018,000 | 2,046,000 | 2,121,000 | 2,141,000 |
| Securities available for sale | 19,290,000 | 18,603,000 | 19,741,000 | 19,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,297,000 | 194,630,000 | 197,555,000 | 197,234,000 |
| Interest-bearing deposits | 169,318,000 | 169,490,000 | 173,559,000 | 171,386,000 |
| Noninterest-bearing deposits | 21,979,000 | 25,140,000 | 23,996,000 | 25,848,000 |
| Equity capital | 18,618,000 | 18,699,000 | 19,308,000 | 19,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,038,000 | 6,084,000 | 9,202,000 | 12,277,000 |
| Interest expense | 962,000 | 1,835,000 | 2,662,000 | 3,411,000 |
| Net interest income | 2,076,000 | 4,249,000 | 6,540,000 | 8,866,000 |
| Noninterest income | 455,000 | 934,000 | 1,428,000 | 1,936,000 |
| Noninterest expense | 1,552,000 | 3,185,000 | 4,800,000 | 6,420,000 |
| Provision for loan losses | 95,000 | 190,000 | 317,000 | 521,000 |
| Pretax income | 884,000 | 1,808,000 | 2,851,000 | 3,861,000 |
| Income tax | 40,000 | 82,000 | 130,000 | 176,000 |
| Net income | 844,000 | 1,726,000 | 2,721,000 | 3,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,878,000 | 17,940,000 | 18,335,000 | 18,410,000 |
| Total capital | 19,896,000 | 19,986,000 | 20,456,000 | 20,551,000 |
| Risk-weighted assets | 176,736,000 | 178,725,000 | 182,925,000 | 179,716,000 |
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