Call reports 2013
CLEAR LAKE BANK AND TRUST COMPANY — 2013
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 272,713,000 | 266,003,000 | 270,605,000 | 337,733,000 |
| Total loans | 207,795,000 | 211,102,000 | 216,097,000 | 255,433,000 |
| Allowance for loan losses | 3,076,000 | 3,126,000 | 3,111,000 | 3,105,000 |
| Securities available for sale | 22,707,000 | 23,366,000 | 24,435,000 | 45,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,879,000 | 236,355,000 | 236,631,000 | 304,188,000 |
| Interest-bearing deposits | 202,700,000 | 196,056,000 | 193,020,000 | 245,493,000 |
| Noninterest-bearing deposits | 40,179,000 | 40,299,000 | 43,611,000 | 58,695,000 |
| Equity capital | 23,885,000 | 23,576,000 | 27,776,000 | 27,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,791,000 | 5,633,000 | 8,486,000 | 11,775,000 |
| Interest expense | 372,000 | 737,000 | 1,087,000 | 1,486,000 |
| Net interest income | 2,419,000 | 4,896,000 | 7,399,000 | 10,289,000 |
| Noninterest income | 695,000 | 1,390,000 | 2,053,000 | 2,705,000 |
| Noninterest expense | 1,873,000 | 3,736,000 | 5,617,000 | 7,797,000 |
| Provision for loan losses | 65,000 | 109,000 | 114,000 | 119,000 |
| Pretax income | 1,176,000 | 2,441,000 | 3,721,000 | 5,078,000 |
| Income tax | 51,000 | 106,000 | 162,000 | 220,000 |
| Net income | 1,125,000 | 2,335,000 | 3,559,000 | 4,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,660,000 | 22,614,000 | 26,904,000 | 25,512,000 |
| Total capital | 25,217,000 | 25,198,000 | 29,559,000 | 28,617,000 |
| Risk-weighted assets | 204,102,000 | 205,423,000 | 211,939,000 | 251,228,000 |
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