Call reports 2011
CLEAR LAKE BANK AND TRUST COMPANY — 2011
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 242,749,000 | 243,465,000 | 249,572,000 | 245,845,000 |
| Total loans | 190,840,000 | 194,050,000 | 193,870,000 | 196,707,000 |
| Allowance for loan losses | 2,594,000 | 2,676,000 | 2,743,000 | 2,794,000 |
| Securities available for sale | 20,307,000 | 18,453,000 | 20,681,000 | 21,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,487,000 | 216,831,000 | 220,129,000 | 217,550,000 |
| Interest-bearing deposits | 186,975,000 | 185,530,000 | 184,876,000 | 181,328,000 |
| Noninterest-bearing deposits | 29,512,000 | 31,301,000 | 35,253,000 | 36,222,000 |
| Equity capital | 21,049,000 | 21,275,000 | 21,912,000 | 21,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,943,000 | 5,894,000 | 8,910,000 | 11,838,000 |
| Interest expense | 545,000 | 1,070,000 | 1,585,000 | 2,101,000 |
| Net interest income | 2,398,000 | 4,824,000 | 7,325,000 | 9,737,000 |
| Noninterest income | 476,000 | 1,056,000 | 1,654,000 | 2,213,000 |
| Noninterest expense | 1,686,000 | 3,373,000 | 5,082,000 | 6,858,000 |
| Provision for loan losses | 130,000 | 215,000 | 310,000 | 405,000 |
| Pretax income | 1,058,000 | 2,292,000 | 3,587,000 | 4,687,000 |
| Income tax | 48,000 | 105,000 | 165,000 | 216,000 |
| Net income | 1,010,000 | 2,187,000 | 3,422,000 | 4,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,912,000 | 20,029,000 | 20,511,000 | 20,507,000 |
| Total capital | 22,276,000 | 22,435,000 | 22,936,000 | 22,949,000 |
| Risk-weighted assets | 188,128,000 | 194,271,000 | 196,501,000 | 197,758,000 |