Call reports 2002
CLEAR LAKE NATIONAL BANK — 2002
What CLEAR LAKE NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,108,000 | 43,691,000 | 45,783,000 | 40,945,000 |
| Total loans | 31,274,000 | 26,198,000 | 24,086,000 | 24,018,000 |
| Allowance for loan losses | 1,132,000 | 1,082,000 | 825,000 | 715,000 |
| Securities available for sale | 5,523,000 | 7,606,000 | 8,365,000 | 7,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,461,000 | 40,116,000 | 42,125,000 | 37,766,000 |
| Interest-bearing deposits | 33,798,000 | 31,713,000 | 32,167,000 | 27,995,000 |
| Noninterest-bearing deposits | 8,663,000 | 8,403,000 | 9,958,000 | 9,771,000 |
| Equity capital | 3,473,000 | 3,403,000 | 3,477,000 | 2,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,420,000 | 2,045,000 | 2,628,000 |
| Interest expense | 347,000 | 656,000 | 925,000 | 1,143,000 |
| Net interest income | 387,000 | 764,000 | 1,120,000 | 1,485,000 |
| Noninterest income | 78,000 | 159,000 | 205,000 | 283,000 |
| Noninterest expense | 554,000 | 1,141,000 | 1,690,000 | 2,448,000 |
| Provision for loan losses | 350,000 | 350,000 | 350,000 | 576,000 |
| Pretax income | -439,000 | -568,000 | -686,000 | -1,231,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -439,000 | -568,000 | -686,000 | -1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,451,000 | 3,322,000 | 3,203,000 | 2,659,000 |
| Total capital | 3,868,000 | 3,703,000 | 3,574,000 | 3,016,000 |
| Risk-weighted assets | 32,681,000 | 29,760,000 | 29,221,000 | 28,299,000 |