Call reports 2018
CLEAR LAKE BANK AND TRUST COMPANY — 2018
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 396,670,000 | 403,495,000 | 404,774,000 | 425,053,000 |
| Total loans | 309,869,000 | 316,029,000 | 324,702,000 | 331,238,000 |
| Allowance for loan losses | 4,012,000 | 4,148,000 | 4,077,000 | 4,188,000 |
| Securities available for sale | 41,479,000 | 37,589,000 | 37,571,000 | 37,076,000 |
| Securities held to maturity | 2,721,000 | 2,730,000 | 2,738,000 | 2,746,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,763,000 | 358,183,000 | 359,374,000 | 378,978,000 |
| Interest-bearing deposits | 275,837,000 | 281,350,000 | 281,513,000 | 299,074,000 |
| Noninterest-bearing deposits | 75,926,000 | 76,833,000 | 77,861,000 | 79,904,000 |
| Equity capital | 34,681,000 | 34,503,000 | 34,959,000 | 35,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,926,000 | 8,040,000 | 12,324,000 | 16,804,000 |
| Interest expense | 388,000 | 885,000 | 1,443,000 | 2,231,000 |
| Net interest income | 3,538,000 | 7,155,000 | 10,881,000 | 14,573,000 |
| Noninterest income | 882,000 | 1,813,000 | 2,748,000 | 3,783,000 |
| Noninterest expense | 2,627,000 | 5,313,000 | 7,856,000 | 10,650,000 |
| Provision for loan losses | 132,000 | 264,000 | 396,000 | 528,000 |
| Pretax income | 1,665,000 | 3,399,000 | 5,385,000 | 7,186,000 |
| Income tax | 67,000 | 146,000 | 229,000 | 304,000 |
| Net income | 1,598,000 | 3,253,000 | 5,156,000 | 6,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,741,000 | 33,497,000 | 34,184,000 | 34,603,000 |
| Total capital | 37,685,000 | 37,532,000 | 38,282,000 | 38,804,000 |
| Risk-weighted assets | 313,427,000 | 320,444,000 | 330,604,000 | 344,258,000 |