Call reports 2015
CLEAR LAKE BANK AND TRUST COMPANY — 2015
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 360,203,000 | 356,892,000 | 353,716,000 | 370,641,000 |
| Total loans | 278,100,000 | 278,437,000 | 281,746,000 | 292,094,000 |
| Allowance for loan losses | 3,434,000 | 3,503,000 | 3,605,000 | 3,576,000 |
| Securities available for sale | 43,854,000 | 39,032,000 | 40,225,000 | 40,580,000 |
| Securities held to maturity | 2,577,000 | 2,627,000 | 2,714,000 | 2,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,107,000 | 317,127,000 | 313,953,000 | 331,391,000 |
| Interest-bearing deposits | 260,319,000 | 257,040,000 | 254,024,000 | 260,226,000 |
| Noninterest-bearing deposits | 59,788,000 | 60,087,000 | 59,929,000 | 71,165,000 |
| Equity capital | 31,908,000 | 31,339,000 | 32,054,000 | 32,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,551,000 | 7,145,000 | 10,736,000 | 14,397,000 |
| Interest expense | 340,000 | 667,000 | 967,000 | 1,270,000 |
| Net interest income | 3,211,000 | 6,478,000 | 9,769,000 | 13,127,000 |
| Noninterest income | 841,000 | 1,657,000 | 2,557,000 | 3,429,000 |
| Noninterest expense | 2,205,000 | 4,529,000 | 6,876,000 | 9,207,000 |
| Provision for loan losses | 81,000 | 161,000 | 272,000 | 432,000 |
| Pretax income | 1,766,000 | 3,445,000 | 5,178,000 | 6,917,000 |
| Income tax | 87,000 | 175,000 | 263,000 | 352,000 |
| Net income | 1,679,000 | 3,270,000 | 4,915,000 | 6,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,973,000 | 29,784,000 | 30,236,000 | 30,457,000 |
| Total capital | 33,407,000 | 33,287,000 | 33,815,000 | 34,033,000 |
| Risk-weighted assets | 287,796,000 | 283,769,000 | 286,260,000 | 295,715,000 |