Call reports 2003
CLEAR LAKE NATIONAL BANK — 2003
What CLEAR LAKE NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 |
|---|---|
| Total assets | 48,402,000 |
| Total loans | 22,070,000 |
| Allowance for loan losses | 729,000 |
| Securities available for sale | 8,731,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 39,365,000 |
| Interest-bearing deposits | 29,125,000 |
| Noninterest-bearing deposits | 10,240,000 |
| Equity capital | 8,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 |
|---|---|
| Interest income | 533,000 |
| Interest expense | 163,000 |
| Net interest income | 370,000 |
| Noninterest income | 80,000 |
| Noninterest expense | 574,000 |
| Provision for loan losses | 45,000 |
| Pretax income | -38,000 |
| Income tax | 0 |
| Net income | -38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 |
|---|---|
| Tier 1 capital | 4,321,000 |
| Total capital | 4,710,000 |
| Risk-weighted assets | 30,782,000 |