Call reports 2007
CLEAR CREEK NATIONAL BANK — 2007
What CLEAR CREEK NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,077,000 | 24,918,000 | 26,695,000 | 23,345,000 |
| Total loans | 12,472,000 | 12,835,000 | 14,258,000 | 12,745,000 |
| Allowance for loan losses | 157,000 | 178,000 | 166,000 | 170,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,381,000 | 7,200,000 | 7,188,000 | 6,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,778,000 | 22,593,000 | 24,308,000 | 20,916,000 |
| Interest-bearing deposits | 12,459,000 | 11,776,000 | 12,299,000 | 11,161,000 |
| Noninterest-bearing deposits | 11,319,000 | 10,818,000 | 12,009,000 | 9,755,000 |
| Equity capital | 2,222,000 | 2,260,000 | 2,315,000 | 2,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 846,000 | 1,286,000 | 1,697,000 |
| Interest expense | 59,000 | 120,000 | 183,000 | 245,000 |
| Net interest income | 364,000 | 726,000 | 1,103,000 | 1,452,000 |
| Noninterest income | 41,000 | 78,000 | 123,000 | 167,000 |
| Noninterest expense | 341,000 | 665,000 | 998,000 | 1,314,000 |
| Provision for loan losses | 4,000 | 28,000 | 28,000 | 33,000 |
| Pretax income | 60,000 | 111,000 | 200,000 | 272,000 |
| Income tax | 13,000 | 25,000 | 60,000 | 93,000 |
| Net income | 47,000 | 86,000 | 140,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,222,000 | 2,260,000 | 2,315,000 | 2,353,000 |
| Total capital | 2,379,000 | 2,438,000 | 2,481,000 | 2,523,000 |
| Risk-weighted assets | 14,321,000 | 14,404,000 | 15,883,000 | 14,093,000 |