Home > Clear Lake National Bank > Assets and Liabilities
Clear Lake National Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 48 | 3,601 |
| Assets and Liabilities | ||
| Total Assets: | $93,761,000 | 4,595 |
| Cash and due from depository institutions | $7,743,000 | 3,601 |
| Interest-bearing balances | $500,000 | 3,498 |
| Securities | $6,638,000 | 8,153 |
| Federal funds sold & reverse repurchase agreements | $14,800,000 | 1,100 |
| Net loans & leases | $60,212,000 | 4,283 |
| Loan loss allowance | $661,000 | 4,659 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $3,524,000 | 2,301 |
| Other real estate owned | $290,000 | 3,601 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $554,000 | 7,870 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $93,761,000 | 4,595 |
| Total liabilities | $88,243,000 | 4,407 |
| Total deposits | $86,704,000 | 4,230 |
| Interest-bearing deposits | $55,224,000 | 5,359 |
| Deposits held in domestic offices | $86,704,000 | 4,223 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,223,000 | 2,282 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $316,000 | 7,279 |
| Total equity capital | $5,518,000 | 6,702 |
| Total bank equity capital | $5,518,000 | 6,702 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,150,000 | 2,864 |
| Surplus | $1,915,000 | 5,586 |
| Undivided profits | $2,453,000 | 6,428 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $29,000 | 8,559 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $324,000 | 6,277 |
| Earning assets | $82,150,000 | 4,769 |
| Long-term assets (5+ years) | $1,820,000 | 7,845 |
| Average Assets, year-to-date | $84,048,600 | 4,796 |
| Average Assets, quarterly | $90,352,500 | 4,662 |
| Volatile liabilities | $8,238,000 | 5,564 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $15,648,000 | 2,690 |
| Tier 1 (core) risk-based capital | $5,521,000 | 6,531 |
| Tier 2 risk-based capital | $661,000 | 4,261 |
| Total risk weighted assets | $67,960,800 | 3,961 |
| Total unused commitments | $15,648,000 | 2,696 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 50 | 3,586 |
| Assets and Liabilities | ||
| Total Assets: | $76,716,000 | 5,343 |
| Cash and due from depository institutions | $7,455,000 | 3,586 |
| Interest-bearing balances | $500,000 | 3,114 |
| Securities | $5,640,000 | 8,950 |
| Federal funds sold & reverse repurchase agreements | $9,450,000 | 1,450 |
| Net loans & leases | $49,627,000 | 5,009 |
| Loan loss allowance | $278,000 | 7,796 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,469,000 | 2,279 |
| Other real estate owned | $452,000 | 3,586 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $623,000 | 7,773 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $76,716,000 | 5,343 |
| Total liabilities | $70,869,000 | 5,233 |
| Total deposits | $69,814,000 | 5,046 |
| Interest-bearing deposits | $45,319,000 | 6,148 |
| Deposits held in domestic offices | $69,814,000 | 5,041 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $668,000 | 2,948 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $387,000 | 6,849 |
| Total equity capital | $5,847,000 | 6,499 |
| Total bank equity capital | $5,847,000 | 6,499 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,150,000 | 2,929 |
| Surplus | $1,915,000 | 5,589 |
| Undivided profits | $2,782,000 | 6,230 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $118,000 | 7,408 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $22,000 | 1,463 |
| Income earned, not collected on loans | $285,000 | 7,015 |
| Earning assets | $65,217,000 | 5,671 |
| Long-term assets (5+ years) | $559,000 | 8,950 |
| Average Assets, year-to-date | $73,974,400 | 5,308 |
| Average Assets, quarterly | $75,361,000 | 5,361 |
| Volatile liabilities | $4,954,000 | 7,164 |
| Insider loans | $173,000 | 7,692 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $6,677,000 | 4,475 |
| Tier 1 (core) risk-based capital | $5,846,000 | 6,375 |
| Tier 2 risk-based capital | $278,000 | 7,310 |
| Total risk weighted assets | $53,739,800 | 4,749 |
| Total unused commitments | $6,677,000 | 4,478 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 39 | 4,676 |
| Assets and Liabilities | ||
| Total Assets: | $72,514,000 | 5,720 |
| Cash and due from depository institutions | $7,308,000 | 4,676 |
| Interest-bearing balances | $500,000 | 3,044 |
| Securities | $6,628,000 | 9,136 |
| Federal funds sold & reverse repurchase agreements | $9,300,000 | 1,390 |
| Net loans & leases | $46,491,000 | 5,295 |
| Loan loss allowance | $227,000 | 8,776 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,304,000 | 3,354 |
| Other real estate owned | $0 | 4,676 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $483,000 | 8,923 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $72,514,000 | 5,720 |
| Total liabilities | $66,965,000 | 5,598 |
| Total deposits | $65,199,000 | 5,476 |
| Interest-bearing deposits | $44,977,000 | 6,401 |
| Deposits held in domestic offices | $65,199,000 | 5,466 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,396,000 | 2,528 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $370,000 | 7,106 |
| Total equity capital | $5,549,000 | 6,787 |
| Total bank equity capital | $5,549,000 | 6,787 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,150,000 | 3,126 |
| Surplus | $1,915,000 | 5,702 |
| Undivided profits | $2,484,000 | 6,628 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $253,000 | 6,080 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $231,000 | 7,952 |
| Earning assets | $62,919,000 | 5,960 |
| Long-term assets (5+ years) | $302,000 | 9,541 |
| Average Assets, year-to-date | $65,134,800 | 6,010 |
| Average Assets, quarterly | $70,467,000 | 5,793 |
| Volatile liabilities | $8,250,000 | 5,494 |
| Insider loans | $153,000 | 8,182 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $9,717,000 | 3,456 |
| Tier 1 (core) risk-based capital | $5,549,000 | 6,692 |
| Tier 2 risk-based capital | $227,000 | 8,230 |
| Total risk weighted assets | $46,363,800 | 5,369 |
| Total unused commitments | $9,717,000 | 3,469 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 41 | 4,605 |
| Assets and Liabilities | ||
| Total Assets: | $60,732,000 | 6,590 |
| Cash and due from depository institutions | $4,741,000 | 4,605 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $13,666,000 | 7,071 |
| Federal funds sold & reverse repurchase agreements | $6,300,000 | 2,324 |
| Net loans & leases | $34,050,000 | 6,476 |
| Loan loss allowance | $191,000 | 9,629 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,448,000 | 4,778 |
| Other real estate owned | $0 | 4,605 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $527,000 | 8,966 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $60,732,000 | 6,590 |
| Total liabilities | $56,017,000 | 6,456 |
| Total deposits | $53,263,000 | 6,481 |
| Interest-bearing deposits | $36,772,000 | 7,426 |
| Deposits held in domestic offices | $53,263,000 | 6,474 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,134,000 | 2,136 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $620,000 | 5,347 |
| Total equity capital | $4,715,000 | 7,599 |
| Total bank equity capital | $4,715,000 | 7,599 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,150,000 | 3,249 |
| Surplus | $1,915,000 | 5,769 |
| Undivided profits | $1,650,000 | 8,050 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,056 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $191,000 | 8,947 |
| Earning assets | $54,016,000 | 6,723 |
| Long-term assets (5+ years) | $250,000 | 9,995 |
| Average Assets, year-to-date | $55,615,800 | 6,778 |
| Average Assets, quarterly | $58,500,500 | 6,695 |
| Volatile liabilities | $6,162,000 | 6,197 |
| Insider loans | $177,000 | 8,238 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $6,648,000 | 4,226 |
| Tier 1 (core) risk-based capital | $4,687,000 | 7,517 |
| Tier 2 risk-based capital | $191,000 | 9,025 |
| Total risk weighted assets | $32,028,400 | 6,910 |
| Total unused commitments | $6,648,000 | 4,239 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 35 | 5,491 |
| Assets and Liabilities | ||
| Total Assets: | $53,232,000 | 7,203 |
| Cash and due from depository institutions | $4,137,000 | 5,491 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $21,176,000 | 5,638 |
| Federal funds sold & reverse repurchase agreements | $2,325,000 | 3,421 |
| Net loans & leases | $23,921,000 | 8,011 |
| Loan loss allowance | $102,000 | 11,517 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,197,000 | 5,433 |
| Other real estate owned | $0 | 5,491 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $476,000 | 9,775 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $53,232,000 | 7,203 |
| Total liabilities | $48,911,000 | 7,126 |
| Total deposits | $48,225,000 | 6,976 |
| Interest-bearing deposits | $34,315,000 | 7,806 |
| Deposits held in domestic offices | $48,225,000 | 6,968 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $686,000 | 4,088 |
| Total equity capital | $4,321,000 | 7,828 |
| Total bank equity capital | $4,321,000 | 7,828 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,150,000 | 3,370 |
| Surplus | $1,915,000 | 5,787 |
| Undivided profits | $1,256,000 | 8,482 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $37,000 | 10,009 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $115,000 | 10,489 |
| Earning assets | $47,422,000 | 7,311 |
| Long-term assets (5+ years) | $216,000 | 10,552 |
| Average Assets, year-to-date | $51,705,200 | 7,245 |
| Average Assets, quarterly | $51,572,000 | 7,333 |
| Volatile liabilities | $2,597,000 | 8,926 |
| Insider loans | $347,000 | 6,760 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $3,355,000 | 6,033 |
| Tier 1 (core) risk-based capital | $4,301,000 | 7,918 |
| Tier 2 risk-based capital | $102,000 | 11,145 |
| Total risk weighted assets | $22,416,700 | 8,500 |
| Total unused commitments | $3,355,000 | 6,043 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 32 | 6,114 |
| Assets and Liabilities | ||
| Total Assets: | $50,715,000 | 7,676 |
| Cash and due from depository institutions | $3,074,000 | 6,114 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $17,725,000 | 6,664 |
| Federal funds sold & reverse repurchase agreements | $12,040,000 | 1,104 |
| Net loans & leases | $16,270,000 | 9,677 |
| Loan loss allowance | $130,000 | 11,520 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,202,000 | 5,464 |
| Other real estate owned | $0 | 6,114 |
| Goodwill and other intangibles | $96,000 | 2,209 |
| All other assets | $308,000 | 11,199 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $50,715,000 | 7,676 |
| Total liabilities | $46,536,000 | 7,605 |
| Total deposits | $45,980,000 | 7,486 |
| Interest-bearing deposits | $34,446,000 | 8,120 |
| Deposits held in domestic offices | $45,980,000 | 7,479 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $556,000 | 4,958 |
| Total equity capital | $4,179,000 | 8,167 |
| Total bank equity capital | $4,179,000 | 8,167 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,150,000 | 3,469 |
| Surplus | $1,915,000 | 5,769 |
| Undivided profits | $1,114,000 | 9,246 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $18,000 | 11,447 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $60,000 | 12,181 |
| Earning assets | $46,035,000 | 7,706 |
| Long-term assets (5+ years) | $200,000 | 11,106 |
| Average Assets, year-to-date | $49,717,400 | 7,619 |
| Average Assets, quarterly | $50,635,000 | 7,614 |
| Volatile liabilities | $2,183,000 | 9,440 |
| Insider loans | $505,000 | 5,681 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,810,000 | 7,813 |
| Tier 1 (core) risk-based capital | $4,083,000 | 8,206 |
| Tier 2 risk-based capital | $130,000 | 10,902 |
| Total risk weighted assets | $17,731,800 | 9,718 |
| Total unused commitments | $1,810,000 | 7,840 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 28 | 6,885 |
| Assets and Liabilities | ||
| Total Assets: | $50,819,000 | 7,769 |
| Cash and due from depository institutions | $3,635,000 | 6,885 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $21,279,000 | 5,865 |
| Federal funds sold & reverse repurchase agreements | $9,735,000 | 1,684 |
| Net loans & leases | $13,937,000 | 10,490 |
| Loan loss allowance | $129,000 | 11,981 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,251,000 | 5,349 |
| Other real estate owned | $343,000 | 6,885 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $639,000 | 8,545 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $50,819,000 | 7,769 |
| Total liabilities | $46,797,000 | 7,718 |
| Total deposits | $46,420,000 | 7,599 |
| Interest-bearing deposits | $34,879,000 | 8,293 |
| Deposits held in domestic offices | $46,420,000 | 7,592 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $377,000 | 7,093 |
| Total equity capital | $4,022,000 | 8,245 |
| Total bank equity capital | $4,022,000 | 8,245 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,150,000 | 3,622 |
| Surplus | $1,915,000 | 5,685 |
| Undivided profits | $957,000 | 9,693 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 13,091 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $57,000 | 12,798 |
| Earning assets | $44,951,000 | 7,927 |
| Long-term assets (5+ years) | $294,000 | 11,326 |
| Average Assets, year-to-date | $48,058,800 | 7,902 |
| Average Assets, quarterly | $49,746,500 | 7,819 |
| Volatile liabilities | $3,148,000 | 8,369 |
| Insider loans | $560,000 | 1,600 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,068,000 | 7,238 |
| Tier 1 (core) risk-based capital | $4,022,000 | 8,178 |
| Tier 2 risk-based capital | $129,000 | 11,205 |
| Total risk weighted assets | $16,554,700 | 10,217 |
| Total unused commitments | $2,068,000 | 7,269 |
| Derivatives | $0 | 651 |