Call reports 2007
CLARE BANK, NATIONAL ASSOCIATION — 2007
What CLARE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 188,074,000 | 188,245,000 | 193,157,000 | 194,984,000 |
| Total loans | 109,697,000 | 111,194,000 | 111,778,000 | 110,633,000 |
| Allowance for loan losses | 824,000 | 812,000 | 797,000 | 796,000 |
| Securities available for sale | 66,083,000 | 61,180,000 | 72,296,000 | 68,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,700,000 | 170,975,000 | 169,802,000 | 171,888,000 |
| Interest-bearing deposits | 151,566,000 | 151,831,000 | 149,825,000 | 149,612,000 |
| Noninterest-bearing deposits | 18,134,000 | 19,144,000 | 19,977,000 | 22,276,000 |
| Equity capital | 15,369,000 | 14,283,000 | 16,434,000 | 18,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,306,000 | 4,790,000 | 7,329,000 | 9,977,000 |
| Interest expense | 1,431,000 | 2,910,000 | 4,441,000 | 6,005,000 |
| Net interest income | 875,000 | 1,880,000 | 2,888,000 | 3,972,000 |
| Noninterest income | 135,000 | 303,000 | 477,000 | 651,000 |
| Noninterest expense | 608,000 | 1,251,000 | 1,932,000 | 2,522,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 402,000 | 932,000 | 1,433,000 | 2,138,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 402,000 | 932,000 | 1,433,000 | 2,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,571,000 | 15,954,000 | 16,397,000 | 16,931,000 |
| Total capital | 16,395,000 | 16,766,000 | 17,194,000 | 17,727,000 |
| Risk-weighted assets | 93,225,000 | 95,892,000 | 96,638,000 | 96,093,000 |