Call reports 2006
CLARE BANK, NATIONAL ASSOCIATION — 2006
What CLARE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 185,005,000 | 184,015,000 | 182,216,000 | 184,557,000 |
| Total loans | 108,188,000 | 107,760,000 | 107,964,000 | 108,561,000 |
| Allowance for loan losses | 769,000 | 777,000 | 811,000 | 824,000 |
| Securities available for sale | 66,073,000 | 64,155,000 | 65,550,000 | 61,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,491,000 | 164,530,000 | 161,466,000 | 167,876,000 |
| Interest-bearing deposits | 148,839,000 | 145,059,000 | 142,790,000 | 146,623,000 |
| Noninterest-bearing deposits | 18,652,000 | 19,471,000 | 18,676,000 | 21,253,000 |
| Equity capital | 14,237,000 | 14,188,000 | 15,680,000 | 13,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,093,000 | 4,423,000 | 6,712,000 | 8,985,000 |
| Interest expense | 1,102,000 | 2,296,000 | 3,585,000 | 4,937,000 |
| Net interest income | 991,000 | 2,127,000 | 3,127,000 | 4,048,000 |
| Noninterest income | 115,000 | 242,000 | 405,000 | 548,000 |
| Noninterest expense | 704,000 | 1,414,000 | 2,092,000 | 2,739,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 6,000 |
| Pretax income | 402,000 | 955,000 | 1,434,000 | 1,851,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 402,000 | 955,000 | 1,434,000 | 1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,936,000 | 15,416,000 | 16,048,000 | 15,225,000 |
| Total capital | 15,705,000 | 16,193,000 | 16,859,000 | 16,049,000 |
| Risk-weighted assets | 87,492,000 | 87,642,000 | 88,336,000 | 88,377,000 |