Call reports 2012
CLEAR LAKE BANK AND TRUST COMPANY — 2012
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 256,635,000 | 254,600,000 | 257,744,000 | 264,628,000 |
| Total loans | 203,458,000 | 205,199,000 | 203,291,000 | 205,348,000 |
| Allowance for loan losses | 2,842,000 | 2,904,000 | 2,957,000 | 2,997,000 |
| Securities available for sale | 21,222,000 | 19,750,000 | 21,655,000 | 21,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,024,000 | 225,928,000 | 228,440,000 | 235,638,000 |
| Interest-bearing deposits | 191,085,000 | 187,779,000 | 188,904,000 | 192,713,000 |
| Noninterest-bearing deposits | 36,940,000 | 38,149,000 | 39,536,000 | 42,925,000 |
| Equity capital | 22,668,000 | 22,588,000 | 23,026,000 | 23,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,933,000 | 5,914,000 | 8,806,000 | 11,683,000 |
| Interest expense | 443,000 | 869,000 | 1,281,000 | 1,676,000 |
| Net interest income | 2,490,000 | 5,045,000 | 7,525,000 | 10,007,000 |
| Noninterest income | 606,000 | 1,263,000 | 2,012,000 | 2,790,000 |
| Noninterest expense | 1,663,000 | 3,444,000 | 5,307,000 | 7,253,000 |
| Provision for loan losses | 52,000 | 127,000 | 202,000 | 262,000 |
| Pretax income | 1,381,000 | 2,737,000 | 4,028,000 | 5,282,000 |
| Income tax | 54,000 | 113,000 | 169,000 | 225,000 |
| Net income | 1,210,000 | 2,507,000 | 3,742,000 | 5,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,369,000 | 21,257,000 | 21,658,000 | 21,885,000 |
| Total capital | 23,878,000 | 23,811,000 | 24,187,000 | 24,412,000 |
| Risk-weighted assets | 203,129,000 | 203,973,000 | 201,170,000 | 201,725,000 |