Call reports 2005
CLARE BANK, NATIONAL ASSOCIATION — 2005
What CLARE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 182,015,000 | 184,412,000 | 186,209,000 | 183,810,000 |
| Total loans | 103,021,000 | 103,820,000 | 105,841,000 | 106,837,000 |
| Allowance for loan losses | 757,000 | 753,000 | 762,000 | 761,000 |
| Securities available for sale | 67,150,000 | 67,302,000 | 67,874,000 | 67,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,252,000 | 165,066,000 | 167,667,000 | 166,637,000 |
| Interest-bearing deposits | 146,332,000 | 146,568,000 | 147,916,000 | 145,882,000 |
| Noninterest-bearing deposits | 16,920,000 | 18,498,000 | 19,751,000 | 20,755,000 |
| Equity capital | 14,096,000 | 14,659,000 | 14,939,000 | 14,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,980,000 | 3,968,000 | 6,030,000 | 8,165,000 |
| Interest expense | 759,000 | 1,585,000 | 2,532,000 | 3,556,000 |
| Net interest income | 1,221,000 | 2,383,000 | 3,498,000 | 4,609,000 |
| Noninterest income | 121,000 | 230,000 | 344,000 | 471,000 |
| Noninterest expense | 775,000 | 1,522,000 | 2,290,000 | 3,052,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 567,000 | 1,091,000 | 1,552,000 | 2,028,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 567,000 | 1,091,000 | 1,552,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,300,000 | 14,723,000 | 14,455,000 | 14,534,000 |
| Total capital | 15,057,000 | 15,476,000 | 15,217,000 | 15,295,000 |
| Risk-weighted assets | 86,661,000 | 87,255,000 | 88,701,000 | 85,989,000 |