Call reports 2021
CLEAR LAKE BANK AND TRUST COMPANY — 2021
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 548,091,000 | 543,052,000 | 527,098,000 | 556,094,000 |
| Total loans | 363,558,000 | 346,139,000 | 348,211,000 | 346,424,000 |
| Allowance for loan losses | 5,553,000 | 5,720,000 | 5,893,000 | 6,069,000 |
| Securities available for sale | 40,078,000 | 48,056,000 | 50,548,000 | 60,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,984,000 | 487,673,000 | 471,723,000 | 502,077,000 |
| Interest-bearing deposits | 358,867,000 | 354,773,000 | 338,386,000 | 353,771,000 |
| Noninterest-bearing deposits | 134,117,000 | 132,900,000 | 133,337,000 | 148,306,000 |
| Equity capital | 43,292,000 | 43,362,000 | 43,520,000 | 42,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,354,000 | 10,109,000 | 14,202,000 | 18,302,000 |
| Interest expense | 385,000 | 696,000 | 957,000 | 1,183,000 |
| Net interest income | 4,969,000 | 9,413,000 | 13,245,000 | 17,119,000 |
| Noninterest income | 1,339,000 | 2,609,000 | 4,015,000 | 5,610,000 |
| Noninterest expense | 3,123,000 | 6,234,000 | 9,473,000 | 13,128,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 3,019,000 | 5,440,000 | 7,266,000 | 8,906,000 |
| Income tax | 150,000 | 269,000 | 358,000 | 438,000 |
| Net income | 2,869,000 | 5,171,000 | 6,908,000 | 8,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,294,000 | 41,372,000 | 41,672,000 | 41,183,000 |
| Total capital | 45,629,000 | 45,710,000 | 46,144,000 | 45,759,000 |
| Risk-weighted assets | 345,598,000 | 345,687,000 | 356,342,000 | 364,550,000 |