Call reports 2003
CLEAR CREEK NATIONAL BANK — 2003
What CLEAR CREEK NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 23,798,000 | 23,331,000 | 23,419,000 | 23,798,000 |
| Total loans | 10,773,000 | 9,931,000 | 11,318,000 | 11,296,000 |
| Allowance for loan losses | 121,000 | 117,000 | 126,000 | 130,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,953,000 | 3,020,000 | 3,000,000 | 2,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,472,000 | 21,859,000 | 22,035,000 | 22,416,000 |
| Interest-bearing deposits | 11,372,000 | 11,354,000 | 10,570,000 | 9,956,000 |
| Noninterest-bearing deposits | 11,100,000 | 10,505,000 | 11,465,000 | 12,460,000 |
| Equity capital | 1,249,000 | 1,410,000 | 1,350,000 | 1,332,000 |
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 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 257,000 | 512,000 | 774,000 | 1,040,000 |
| Interest expense | 27,000 | 50,000 | 73,000 | 94,000 |
| Net interest income | 230,000 | 462,000 | 701,000 | 946,000 |
| Noninterest income | 48,000 | 106,000 | 159,000 | 224,000 |
| Noninterest expense | 283,000 | 612,000 | 937,000 | 1,258,000 |
| Provision for loan losses | 55,000 | 55,000 | 55,000 | 63,000 |
| Pretax income | -60,000 | -99,000 | -132,000 | -151,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -60,000 | -99,000 | -132,000 | -151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,249,000 | 1,410,000 | 1,350,000 | 1,332,000 |
| Total capital | 1,391,000 | 1,527,000 | 1,476,000 | 1,462,000 |
| Risk-weighted assets | 11,979,000 | 11,124,000 | 12,225,000 | 12,201,000 |