Call reports 2025
CLEAR LAKE BANK AND TRUST COMPANY — 2025
What CLEAR LAKE BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 615,545,000 | 606,948,000 | 638,604,000 | 636,139,000 |
| Total loans | 462,373,000 | 472,043,000 | 485,748,000 | 482,948,000 |
| Allowance for loan losses | 5,961,000 | 5,857,000 | 5,957,000 | 6,184,000 |
| Securities available for sale | 83,253,000 | 80,891,000 | 77,079,000 | 73,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,549,000 | 547,428,000 | 575,243,000 | 574,348,000 |
| Interest-bearing deposits | 427,750,000 | 427,944,000 | 443,817,000 | 449,261,000 |
| Noninterest-bearing deposits | 128,799,000 | 119,484,000 | 131,426,000 | 125,087,000 |
| Equity capital | 50,577,000 | 50,969,000 | 52,801,000 | 53,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,808,000 | 16,097,000 | 24,713,000 | 33,293,000 |
| Interest expense | 2,526,000 | 5,104,000 | 7,907,000 | 10,617,000 |
| Net interest income | 5,282,000 | 10,993,000 | 16,806,000 | 22,676,000 |
| Noninterest income | 1,227,000 | 2,471,000 | 3,675,000 | 4,976,000 |
| Noninterest expense | 3,724,000 | 7,568,000 | 11,481,000 | 15,602,000 |
| Provision for loan losses | 60,000 | 120,000 | 240,000 | 579,000 |
| Pretax income | 2,724,000 | 5,772,000 | 8,748,000 | 11,537,000 |
| Income tax | 109,000 | 231,000 | 350,000 | 461,000 |
| Net income | 2,615,000 | 5,541,000 | 8,398,000 | 11,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,461,000 | 50,855,000 | 51,679,000 | 52,030,000 |
| Total capital | 56,173,000 | 56,659,000 | 57,637,000 | 57,930,000 |
| Risk-weighted assets | 456,413,000 | 463,961,000 | 476,292,000 | 471,467,000 |