Call reports 2008
CLEAR CREEK NATIONAL BANK — 2008
What CLEAR CREEK NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 24,215,000 | 24,530,000 | 26,228,000 | 24,364,000 |
| Total loans | 11,246,000 | 11,207,000 | 10,432,000 | 10,656,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 180,000 |
| Securities available for sale | 0 | 669,000 | 670,000 | 687,000 |
| Securities held to maturity | 8,387,000 | 8,281,000 | 8,921,000 | 9,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,769,000 | 22,082,000 | 23,769,000 | 21,911,000 |
| Interest-bearing deposits | 10,932,000 | 11,258,000 | 12,374,000 | 11,806,000 |
| Noninterest-bearing deposits | 10,837,000 | 10,824,000 | 11,395,000 | 10,104,000 |
| Equity capital | 2,385,000 | 2,408,000 | 2,418,000 | 2,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 697,000 | 1,012,000 | 1,322,000 |
| Interest expense | 59,000 | 108,000 | 152,000 | 193,000 |
| Net interest income | 298,000 | 589,000 | 860,000 | 1,129,000 |
| Noninterest income | 43,000 | 84,000 | 128,000 | 177,000 |
| Noninterest expense | 299,000 | 598,000 | 896,000 | 1,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 29,000 |
| Pretax income | 45,000 | 78,000 | 95,000 | 82,000 |
| Income tax | 13,000 | 24,000 | 33,000 | 25,000 |
| Net income | 32,000 | 54,000 | 62,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,385,000 | 2,408,000 | 2,418,000 | 2,410,000 |
| Total capital | 2,555,000 | 2,578,000 | 2,588,000 | 2,578,000 |
| Risk-weighted assets | 13,190,000 | 13,548,000 | 13,415,000 | 13,461,000 |