Call reports 2017
CLEAR LAKE BANK AND TRUST COMPANY — 2017
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 396,992,000 | 400,515,000 | 390,936,000 | 405,764,000 |
| Total loans | 305,076,000 | 309,933,000 | 307,864,000 | 310,723,000 |
| Allowance for loan losses | 3,854,000 | 3,976,000 | 4,067,000 | 3,888,000 |
| Securities available for sale | 38,646,000 | 40,576,000 | 45,372,000 | 43,784,000 |
| Securities held to maturity | 2,717,000 | 2,725,000 | 2,733,000 | 2,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,203,000 | 357,988,000 | 348,004,000 | 363,349,000 |
| Interest-bearing deposits | 280,678,000 | 283,965,000 | 275,376,000 | 282,539,000 |
| Noninterest-bearing deposits | 74,525,000 | 74,023,000 | 72,628,000 | 80,810,000 |
| Equity capital | 34,059,000 | 34,247,000 | 34,619,000 | 34,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,756,000 | 7,677,000 | 11,666,000 | 15,644,000 |
| Interest expense | 307,000 | 656,000 | 1,011,000 | 1,378,000 |
| Net interest income | 3,449,000 | 7,021,000 | 10,655,000 | 14,266,000 |
| Noninterest income | 933,000 | 1,814,000 | 2,679,000 | 3,622,000 |
| Noninterest expense | 2,530,000 | 5,032,000 | 7,634,000 | 10,178,000 |
| Provision for loan losses | 120,000 | 240,000 | 300,000 | 520,000 |
| Pretax income | 1,732,000 | 3,563,000 | 5,401,000 | 7,191,000 |
| Income tax | 88,000 | 181,000 | 275,000 | 369,000 |
| Net income | 1,644,000 | 3,382,000 | 5,126,000 | 6,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,381,000 | 32,174,000 | 32,623,000 | 32,994,000 |
| Total capital | 36,235,000 | 36,099,000 | 36,458,000 | 36,882,000 |
| Risk-weighted assets | 313,786,000 | 313,982,000 | 306,546,000 | 319,511,000 |