Call reports 2023
CLEAR LAKE BANK AND TRUST COMPANY — 2023
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 550,456,000 | 554,123,000 | 550,990,000 | 576,990,000 |
| Total loans | 372,829,000 | 382,058,000 | 405,408,000 | 419,639,000 |
| Allowance for loan losses | 6,140,000 | 5,876,000 | 5,833,000 | 5,737,000 |
| Securities available for sale | 102,635,000 | 100,944,000 | 97,705,000 | 95,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,634,000 | 503,922,000 | 500,967,000 | 525,266,000 |
| Interest-bearing deposits | 352,570,000 | 364,833,000 | 374,684,000 | 400,699,000 |
| Noninterest-bearing deposits | 147,064,000 | 139,089,000 | 126,283,000 | 124,567,000 |
| Equity capital | 42,153,000 | 41,298,000 | 41,876,000 | 44,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,598,000 | 11,441,000 | 17,530,000 | 24,086,000 |
| Interest expense | 1,171,000 | 2,745,000 | 4,678,000 | 7,085,000 |
| Net interest income | 4,427,000 | 8,696,000 | 12,852,000 | 17,001,000 |
| Noninterest income | 1,041,000 | 2,157,000 | 3,454,000 | 4,809,000 |
| Noninterest expense | 3,304,000 | 6,768,000 | 10,049,000 | 13,302,000 |
| Provision for loan losses | 0 | -249,000 | -249,000 | -328,000 |
| Pretax income | 2,175,000 | 4,099,000 | 6,278,000 | 8,548,000 |
| Income tax | 87,000 | 140,000 | 214,000 | 392,000 |
| Net income | 2,088,000 | 3,959,000 | 6,064,000 | 8,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,251,000 | 45,067,000 | 45,849,000 | 46,191,000 |
| Total capital | 50,268,000 | 50,023,000 | 51,061,000 | 51,531,000 |
| Risk-weighted assets | 400,213,000 | 395,285,000 | 415,945,000 | 426,454,000 |