Call reports 2019
CLEAR LAKE BANK AND TRUST COMPANY — 2019
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 429,600,000 | 442,522,000 | 427,539,000 | 451,985,000 |
| Total loans | 345,983,000 | 347,704,000 | 341,665,000 | 335,727,000 |
| Allowance for loan losses | 4,311,000 | 4,435,000 | 4,545,000 | 4,497,000 |
| Securities available for sale | 35,946,000 | 33,850,000 | 33,397,000 | 33,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,473,000 | 391,448,000 | 375,368,000 | 402,513,000 |
| Interest-bearing deposits | 303,828,000 | 312,674,000 | 291,555,000 | 308,505,000 |
| Noninterest-bearing deposits | 75,645,000 | 78,774,000 | 83,813,000 | 94,008,000 |
| Equity capital | 37,086,000 | 37,955,000 | 38,917,000 | 39,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,546,000 | 9,323,000 | 14,114,000 | 18,792,000 |
| Interest expense | 885,000 | 1,875,000 | 2,804,000 | 3,697,000 |
| Net interest income | 3,661,000 | 7,448,000 | 11,310,000 | 15,095,000 |
| Noninterest income | 937,000 | 1,926,000 | 3,116,000 | 4,268,000 |
| Noninterest expense | 2,791,000 | 5,974,000 | 8,883,000 | 11,882,000 |
| Provision for loan losses | 126,000 | 252,000 | 378,000 | 378,000 |
| Pretax income | 1,681,000 | 3,148,000 | 5,165,000 | 7,103,000 |
| Income tax | 78,000 | 145,000 | 239,000 | 329,000 |
| Net income | 1,603,000 | 3,003,000 | 4,926,000 | 6,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,608,000 | 36,174,000 | 36,934,000 | 37,311,000 |
| Total capital | 39,938,000 | 40,591,000 | 41,227,000 | 41,590,000 |
| Risk-weighted assets | 350,720,000 | 352,083,000 | 339,753,000 | 339,996,000 |