Call reports 2016
CLEAR LAKE BANK AND TRUST COMPANY — 2016
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 369,729,000 | 368,521,000 | 369,505,000 | 381,111,000 |
| Total loans | 295,083,000 | 303,532,000 | 301,809,000 | 306,396,000 |
| Allowance for loan losses | 3,574,000 | 3,633,000 | 3,719,000 | 3,769,000 |
| Securities available for sale | 41,204,000 | 38,230,000 | 37,477,000 | 39,359,000 |
| Securities held to maturity | 2,710,000 | 2,718,000 | 2,726,000 | 2,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,941,000 | 324,542,000 | 326,087,000 | 340,554,000 |
| Interest-bearing deposits | 263,866,000 | 257,390,000 | 259,363,000 | 271,500,000 |
| Noninterest-bearing deposits | 62,075,000 | 67,152,000 | 66,724,000 | 69,054,000 |
| Equity capital | 33,469,000 | 33,457,000 | 33,577,000 | 32,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,663,000 | 7,418,000 | 11,191,000 | 15,005,000 |
| Interest expense | 307,000 | 622,000 | 933,000 | 1,230,000 |
| Net interest income | 3,356,000 | 6,796,000 | 10,258,000 | 13,775,000 |
| Noninterest income | 800,000 | 1,669,000 | 2,603,000 | 3,530,000 |
| Noninterest expense | 2,329,000 | 4,726,000 | 7,234,000 | 9,878,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 542,000 |
| Pretax income | 1,707,000 | 3,499,000 | 5,267,000 | 6,885,000 |
| Income tax | 87,000 | 178,000 | 268,000 | 350,000 |
| Net income | 1,620,000 | 3,321,000 | 4,999,000 | 6,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,294,000 | 30,959,000 | 31,380,000 | 31,541,000 |
| Total capital | 34,868,000 | 34,592,000 | 35,101,000 | 35,310,000 |
| Risk-weighted assets | 296,120,000 | 300,168,000 | 306,404,000 | 312,408,000 |