Call reports 2001
CLEAR LAKE NATIONAL BANK — 2001
What CLEAR LAKE NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 53,331,000 | 51,127,000 | 50,774,000 | 47,423,000 |
| Total loans | 36,454,000 | 34,470,000 | 36,006,000 | 32,471,000 |
| Allowance for loan losses | 444,000 | 442,000 | 789,000 | 845,000 |
| Securities available for sale | 1,008,000 | 2,005,000 | 4,083,000 | 4,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,338,000 | 46,055,000 | 47,649,000 | 43,280,000 |
| Interest-bearing deposits | 39,454,000 | 37,451,000 | 40,160,000 | 35,398,000 |
| Noninterest-bearing deposits | 8,884,000 | 8,604,000 | 7,489,000 | 7,882,000 |
| Equity capital | 4,701,000 | 3,409,000 | 2,876,000 | 3,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,909,000 | 2,809,000 | 3,601,000 |
| Interest expense | 549,000 | 846,000 | 1,324,000 | 1,743,000 |
| Net interest income | 439,000 | 1,063,000 | 1,485,000 | 1,858,000 |
| Noninterest income | 84,000 | 181,000 | 307,000 | 426,000 |
| Noninterest expense | 510,000 | 1,031,000 | 1,579,000 | 2,198,000 |
| Provision for loan losses | 10,000 | 1,500,000 | 2,102,000 | 2,320,000 |
| Pretax income | 3,000 | -1,287,000 | -1,889,000 | -2,234,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | -1,287,000 | -1,889,000 | -2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,701,000 | 3,404,000 | 2,800,000 | 3,890,000 |
| Total capital | 5,145,000 | 3,846,000 | 3,254,000 | 4,314,000 |
| Risk-weighted assets | 38,135,000 | 36,643,000 | 36,023,000 | 33,527,000 |