Call reports 2009
CLARE BANK, NATIONAL ASSOCIATION — 2009
What CLARE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 219,173,000 | 223,664,000 | 231,414,000 | 241,167,000 |
| Total loans | 116,474,000 | 121,013,000 | 126,711,000 | 136,275,000 |
| Allowance for loan losses | 702,000 | 701,000 | 691,000 | 666,000 |
| Securities available for sale | 92,147,000 | 91,002,000 | 88,428,000 | 86,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,569,000 | 201,918,000 | 208,112,000 | 218,580,000 |
| Interest-bearing deposits | 178,924,000 | 183,119,000 | 187,866,000 | 196,499,000 |
| Noninterest-bearing deposits | 17,645,000 | 18,799,000 | 20,246,000 | 22,081,000 |
| Equity capital | 19,508,000 | 19,611,000 | 20,902,000 | 21,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,498,000 | 5,167,000 | 7,834,000 | 10,626,000 |
| Interest expense | 1,103,000 | 2,148,000 | 3,161,000 | 4,119,000 |
| Net interest income | 1,395,000 | 3,019,000 | 4,673,000 | 6,507,000 |
| Noninterest income | 142,000 | 299,000 | 461,000 | 604,000 |
| Noninterest expense | 803,000 | 1,661,000 | 2,440,000 | 3,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 734,000 | 1,657,000 | 2,755,000 | 4,238,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 734,000 | 1,657,000 | 2,755,000 | 4,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,334,000 | 17,786,000 | 18,212,000 | 19,002,000 |
| Total capital | 18,036,000 | 18,487,000 | 18,903,000 | 19,668,000 |
| Risk-weighted assets | 115,140,000 | 118,903,000 | 111,591,000 | 116,151,000 |