Call reports 2006
CLEAR CREEK NATIONAL BANK — 2006
What CLEAR CREEK NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,755,000 | 25,925,000 | 25,869,000 | 24,477,000 |
| Total loans | 11,139,000 | 11,386,000 | 11,048,000 | 11,583,000 |
| Allowance for loan losses | 163,000 | 166,000 | 159,000 | 152,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,597,000 | 7,079,000 | 8,571,000 | 8,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,673,000 | 23,770,000 | 23,680,000 | 22,260,000 |
| Interest-bearing deposits | 10,731,000 | 11,012,000 | 12,083,000 | 11,801,000 |
| Noninterest-bearing deposits | 12,942,000 | 12,758,000 | 11,596,000 | 10,459,000 |
| Equity capital | 2,032,000 | 2,089,000 | 2,140,000 | 2,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 346,000 | 697,000 | 1,069,000 | 1,459,000 |
| Interest expense | 39,000 | 79,000 | 131,000 | 187,000 |
| Net interest income | 307,000 | 618,000 | 938,000 | 1,272,000 |
| Noninterest income | 57,000 | 109,000 | 172,000 | 220,000 |
| Noninterest expense | 310,000 | 605,000 | 913,000 | 1,234,000 |
| Provision for loan losses | 3,000 | 6,000 | 12,000 | 15,000 |
| Pretax income | 51,000 | 116,000 | 185,000 | 243,000 |
| Income tax | 0 | 8,000 | 26,000 | 50,000 |
| Net income | 51,000 | 108,000 | 159,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,032,000 | 2,089,000 | 2,140,000 | 2,174,000 |
| Total capital | 2,195,000 | 2,255,000 | 2,299,000 | 2,326,000 |
| Risk-weighted assets | 12,955,000 | 12,791,000 | 12,430,000 | 12,124,000 |