Call reports 2022
CLEAR LAKE BANK AND TRUST COMPANY — 2022
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 559,425,000 | 553,104,000 | 536,168,000 | 548,368,000 |
| Total loans | 356,410,000 | 355,871,000 | 373,195,000 | 379,836,000 |
| Allowance for loan losses | 6,096,000 | 6,119,000 | 6,131,000 | 6,135,000 |
| Securities available for sale | 99,925,000 | 102,006,000 | 103,458,000 | 99,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,314,000 | 502,109,000 | 486,112,000 | 497,731,000 |
| Interest-bearing deposits | 357,831,000 | 355,086,000 | 343,315,000 | 346,263,000 |
| Noninterest-bearing deposits | 149,483,000 | 147,023,000 | 142,797,000 | 151,468,000 |
| Equity capital | 40,958,000 | 39,620,000 | 38,584,000 | 39,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,215,000 | 8,698,000 | 13,479,000 | 19,021,000 |
| Interest expense | 205,000 | 422,000 | 823,000 | 1,648,000 |
| Net interest income | 4,010,000 | 8,276,000 | 12,656,000 | 17,373,000 |
| Noninterest income | 1,060,000 | 2,219,000 | 3,366,000 | 5,027,000 |
| Noninterest expense | 3,123,000 | 6,287,000 | 9,528,000 | 12,976,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,912,000 | 4,134,000 | 6,393,000 | 8,999,000 |
| Income tax | 93,000 | 202,000 | 312,000 | 440,000 |
| Net income | 1,819,000 | 3,932,000 | 6,081,000 | 8,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,393,000 | 42,513,000 | 43,236,000 | 43,860,000 |
| Total capital | 47,162,000 | 47,289,000 | 48,174,000 | 48,965,000 |
| Risk-weighted assets | 380,161,000 | 380,692,000 | 393,835,000 | 407,353,000 |