Call reports 2024
CLEAR LAKE BANK AND TRUST COMPANY — 2024
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 572,139,000 | 578,960,000 | 573,081,000 | 600,626,000 |
| Total loans | 431,021,000 | 434,841,000 | 442,559,000 | 449,480,000 |
| Allowance for loan losses | 5,711,000 | 5,904,000 | 5,901,000 | 5,909,000 |
| Securities available for sale | 84,678,000 | 84,695,000 | 85,231,000 | 81,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,342,000 | 524,852,000 | 515,906,000 | 544,498,000 |
| Interest-bearing deposits | 397,408,000 | 403,652,000 | 404,233,000 | 425,534,000 |
| Noninterest-bearing deposits | 120,934,000 | 121,200,000 | 111,673,000 | 118,964,000 |
| Equity capital | 45,494,000 | 45,888,000 | 48,132,000 | 47,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,791,000 | 14,079,000 | 21,571,000 | 29,303,000 |
| Interest expense | 2,527,000 | 5,185,000 | 7,900,000 | 10,703,000 |
| Net interest income | 4,264,000 | 8,894,000 | 13,671,000 | 18,600,000 |
| Noninterest income | 1,123,000 | 2,350,000 | 3,657,000 | 4,819,000 |
| Noninterest expense | 3,438,000 | 6,975,000 | 10,738,000 | 14,593,000 |
| Provision for loan losses | -29,000 | 164,000 | 171,000 | 186,000 |
| Pretax income | 1,904,000 | 4,143,000 | 6,430,000 | 8,623,000 |
| Income tax | 81,000 | 177,000 | 274,000 | 368,000 |
| Net income | 1,823,000 | 3,966,000 | 6,156,000 | 8,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,389,000 | 47,389,000 | 48,078,000 | 48,474,000 |
| Total capital | 52,865,000 | 52,940,000 | 53,606,000 | 54,067,000 |
| Risk-weighted assets | 437,461,000 | 443,463,000 | 441,552,000 | 446,768,000 |