Call reports 2010
CLARE BANK, NATIONAL ASSOCIATION — 2010
What CLARE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 246,634,000 | 250,501,000 | 249,852,000 | 245,380,000 |
| Total loans | 138,239,000 | 144,172,000 | 150,039,000 | 154,005,000 |
| Allowance for loan losses | 643,000 | 632,000 | 612,000 | 607,000 |
| Securities available for sale | 96,017,000 | 90,337,000 | 83,726,000 | 78,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,966,000 | 223,714,000 | 221,351,000 | 220,906,000 |
| Interest-bearing deposits | 204,165,000 | 203,577,000 | 201,718,000 | 199,197,000 |
| Noninterest-bearing deposits | 18,801,000 | 20,137,000 | 19,633,000 | 21,709,000 |
| Equity capital | 21,317,000 | 22,694,000 | 23,239,000 | 23,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,597,000 | 5,236,000 | 7,795,000 | 10,177,000 |
| Interest expense | 916,000 | 1,787,000 | 2,630,000 | 3,362,000 |
| Net interest income | 1,681,000 | 3,449,000 | 5,165,000 | 6,815,000 |
| Noninterest income | 126,000 | 286,000 | 422,000 | 553,000 |
| Noninterest expense | 843,000 | 1,617,000 | 2,463,000 | 3,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 964,000 | 2,118,000 | 3,379,000 | 4,471,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 964,000 | 2,118,000 | 3,379,000 | 4,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,088,000 | 19,870,000 | 20,490,000 | 21,188,000 |
| Total capital | 19,731,000 | 20,502,000 | 21,102,000 | 21,795,000 |
| Risk-weighted assets | 110,999,000 | 112,200,000 | 121,645,000 | 103,181,000 |