Call reports 2005
CLEAR CREEK NATIONAL BANK — 2005
What CLEAR CREEK NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,338,000 | 23,983,000 | 26,555,000 | 24,449,000 |
| Total loans | 13,014,000 | 12,940,000 | 12,569,000 | 12,254,000 |
| Allowance for loan losses | 148,000 | 153,000 | 162,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,959,000 | 5,414,000 | 6,537,000 | 7,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,403,000 | 22,032,000 | 24,578,000 | 22,403,000 |
| Interest-bearing deposits | 12,283,000 | 12,140,000 | 11,242,000 | 10,971,000 |
| Noninterest-bearing deposits | 11,120,000 | 9,892,000 | 13,336,000 | 11,432,000 |
| Equity capital | 1,865,000 | 1,904,000 | 1,946,000 | 1,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 278,000 | 624,000 | 966,000 | 1,310,000 |
| Interest expense | 29,000 | 70,000 | 109,000 | 147,000 |
| Net interest income | 249,000 | 554,000 | 857,000 | 1,163,000 |
| Noninterest income | 77,000 | 118,000 | 171,000 | 223,000 |
| Noninterest expense | 308,000 | 610,000 | 915,000 | 1,234,000 |
| Provision for loan losses | 2,000 | 7,000 | 16,000 | 20,000 |
| Pretax income | 16,000 | 55,000 | 97,000 | 132,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 55,000 | 97,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,865,000 | 1,904,000 | 1,946,000 | 1,981,000 |
| Total capital | 2,013,000 | 2,057,000 | 2,108,000 | 2,142,000 |
| Risk-weighted assets | 14,116,000 | 13,821,000 | 13,896,000 | 13,267,000 |