Call reports 2020
CLEAR LAKE BANK AND TRUST COMPANY — 2020
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 447,299,000 | 521,828,000 | 508,212,000 | 526,027,000 |
| Total loans | 350,206,000 | 377,453,000 | 374,987,000 | 354,277,000 |
| Allowance for loan losses | 4,521,000 | 4,972,000 | 5,213,000 | 5,381,000 |
| Securities available for sale | 31,459,000 | 31,838,000 | 34,474,000 | 38,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,449,000 | 468,147,000 | 454,453,000 | 472,822,000 |
| Interest-bearing deposits | 298,737,000 | 348,743,000 | 341,906,000 | 339,593,000 |
| Noninterest-bearing deposits | 96,712,000 | 119,404,000 | 112,547,000 | 133,229,000 |
| Equity capital | 39,457,000 | 41,101,000 | 41,324,000 | 41,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,581,000 | 10,133,000 | 14,515,000 | 18,748,000 |
| Interest expense | 795,000 | 1,419,000 | 1,958,000 | 2,417,000 |
| Net interest income | 3,786,000 | 8,714,000 | 12,557,000 | 16,331,000 |
| Noninterest income | 983,000 | 2,534,000 | 4,007,000 | 5,353,000 |
| Noninterest expense | 3,290,000 | 7,436,000 | 10,586,000 | 13,922,000 |
| Provision for loan losses | 30,000 | 490,000 | 730,000 | 930,000 |
| Pretax income | 1,462,000 | 3,339,000 | 5,266,000 | 6,855,000 |
| Income tax | 67,000 | 154,000 | 256,000 | 317,000 |
| Net income | 1,395,000 | 3,185,000 | 5,010,000 | 6,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,138,000 | 38,764,000 | 38,927,000 | 39,031,000 |
| Total capital | 42,548,000 | 43,075,000 | 43,351,000 | 43,388,000 |
| Risk-weighted assets | 352,743,000 | 344,284,000 | 353,124,000 | 347,553,000 |