Call reports 2013
CLARE BANK, NATIONAL ASSOCIATION — 2013
What CLARE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 285,693,000 | 275,018,000 | 275,019,000 | 279,376,000 |
| Total loans | 156,791,000 | 155,659,000 | 159,443,000 | 158,075,000 |
| Allowance for loan losses | 583,000 | 583,000 | 583,000 | 568,000 |
| Securities available for sale | 78,772,000 | 77,324,000 | 72,920,000 | 76,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,989,000 | 246,934,000 | 246,039,000 | 250,435,000 |
| Interest-bearing deposits | 229,513,000 | 219,345,000 | 219,540,000 | 220,999,000 |
| Noninterest-bearing deposits | 27,476,000 | 27,589,000 | 26,499,000 | 29,436,000 |
| Equity capital | 27,989,000 | 26,835,000 | 28,685,000 | 28,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,103,000 | 4,315,000 | 6,455,000 | 8,534,000 |
| Interest expense | 485,000 | 929,000 | 1,353,000 | 1,729,000 |
| Net interest income | 1,618,000 | 3,386,000 | 5,102,000 | 6,805,000 |
| Noninterest income | 81,000 | 199,000 | 311,000 | 443,000 |
| Noninterest expense | 737,000 | 1,525,000 | 2,323,000 | 3,087,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 962,000 | 2,060,000 | 2,806,000 | 3,876,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 962,000 | 2,060,000 | 2,806,000 | 3,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,233,000 | 26,163,000 | 26,889,000 | 27,257,000 |
| Total capital | 26,816,000 | 26,744,000 | 27,472,000 | 27,825,000 |
| Risk-weighted assets | 117,119,000 | 113,769,000 | 116,475,000 | 114,868,000 |