Call reports 2014
CLEAR LAKE BANK AND TRUST COMPANY — 2014
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 342,811,000 | 351,527,000 | 337,761,000 | 353,864,000 |
| Total loans | 258,032,000 | 263,647,000 | 264,764,000 | 276,547,000 |
| Allowance for loan losses | 3,174,000 | 3,235,000 | 3,288,000 | 3,355,000 |
| Securities available for sale | 49,271,000 | 48,233,000 | 49,639,000 | 44,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,202,000 | 316,369,000 | 302,815,000 | 315,435,000 |
| Interest-bearing deposits | 255,305,000 | 261,418,000 | 245,119,000 | 252,005,000 |
| Noninterest-bearing deposits | 52,897,000 | 54,951,000 | 57,696,000 | 63,430,000 |
| Equity capital | 28,559,000 | 28,891,000 | 29,528,000 | 30,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,329,000 | 6,812,000 | 10,340,000 | 13,928,000 |
| Interest expense | 381,000 | 749,000 | 1,098,000 | 1,445,000 |
| Net interest income | 2,948,000 | 6,063,000 | 9,242,000 | 12,483,000 |
| Noninterest income | 592,000 | 1,258,000 | 1,976,000 | 3,470,000 |
| Noninterest expense | 2,124,000 | 4,243,000 | 6,542,000 | 8,847,000 |
| Provision for loan losses | 65,000 | 130,000 | 195,000 | 285,000 |
| Pretax income | 1,351,000 | 2,948,000 | 4,481,000 | 6,821,000 |
| Income tax | 59,000 | 128,000 | 195,000 | 266,000 |
| Net income | 1,292,000 | 2,820,000 | 4,286,000 | 6,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,433,000 | 26,545,000 | 27,036,000 | 27,930,000 |
| Total capital | 29,584,000 | 29,736,000 | 30,213,000 | 31,264,000 |
| Risk-weighted assets | 252,303,000 | 255,174,000 | 253,980,000 | 266,963,000 |