Call reports 2012
CLARE BANK, NATIONAL ASSOCIATION — 2012
What CLARE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 268,632,000 | 267,952,000 | 273,469,000 | 283,813,000 |
| Total loans | 162,557,000 | 162,976,000 | 159,580,000 | 158,122,000 |
| Allowance for loan losses | 572,000 | 573,000 | 579,000 | 578,000 |
| Securities available for sale | 74,006,000 | 69,218,000 | 74,876,000 | 71,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,161,000 | 239,451,000 | 244,717,000 | 253,787,000 |
| Interest-bearing deposits | 215,028,000 | 214,524,000 | 218,918,000 | 222,174,000 |
| Noninterest-bearing deposits | 26,133,000 | 24,927,000 | 25,799,000 | 31,613,000 |
| Equity capital | 26,278,000 | 27,019,000 | 28,062,000 | 29,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,398,000 | 4,833,000 | 7,131,000 | 9,526,000 |
| Interest expense | 576,000 | 1,150,000 | 1,717,000 | 2,239,000 |
| Net interest income | 1,822,000 | 3,683,000 | 5,414,000 | 7,287,000 |
| Noninterest income | 120,000 | 251,000 | 371,000 | 501,000 |
| Noninterest expense | 845,000 | 1,612,000 | 2,406,000 | 3,104,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,097,000 | 2,322,000 | 3,379,000 | 4,684,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,097,000 | 2,322,000 | 3,379,000 | 4,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,783,000 | 24,600,000 | 25,353,000 | 25,999,000 |
| Total capital | 24,355,000 | 25,173,000 | 25,932,000 | 26,577,000 |
| Risk-weighted assets | 113,100,000 | 113,600,000 | 111,593,000 | 111,957,000 |