Vitals
  • Total Assets
    381.1M 2.8 %
  • Total Deposits
    340.6M 2.8 %
  • Total Net Loans
    302.6M 4.9 %
  • Net Income
    6.5M -0.5 %
  • Book Value
    32.8M 1.9 %
  • Book Value x2
    65.7M 1.9 %
  • Book Value x3
    98.5M 1.9 %
ROAA

1.761

ROAE

19.735

Efficiency Ratio

56.278

Net Interest Margin

4.128

Balance Sheet Highlights
Financial Highlights Clear Lake Bank And Trust Company All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 381,111 198,346
Total Net Loans 302,627 133,864
Total Deposits 340,554 165,124
Total Equity 32,841 22,060
Profitability
Net Income 6,535 2,310
Return on Average Assets 1.761 1.15
Return on Average Equity 19.735 9.92
Net Interest Margin 4.128 3.587
Efficiency Ratio 56.278 60.34
Noninterest Income/Revenue 18.795 13.494
Balance Sheet Ratios
Loan-to-Deposit 88.863 77.091
Securities/Assets .11 .197
Total Equity/Total Assets .086 .111
Tangible Equity/Tangible Assets .079 .107
Capital Adequacy
Tier 1 Common Capital 31,541 21,135
Tier 1 Capital 31,541 21,140
Tier 2 Capital 3,769 1,625
Total Capital 35,310 22,777
Total Risk Weighted Assets 314,511 151,308
Leverage Ratio 8.37 10.944
Common Equity Tier 1 Capital Ratio 10.03 15.631
Tier 1 Capital Ratio 10.03 15.631
Total Capital Ratio 11.23 16.675

Timeline for Clear Lake Bank And Trust Company

Home Federal Savings And Loan Association, F.A.

Acquisition: Clear Lake Bank And Trust Company acquired a new subsidiary, Home Federal Savings And Loan Association, F.A., 32 years

View Profile Feb 01 1992

Clear Lake Investors, Inc.

Clear Lake Investors, Inc. became a new parent organization for Clear Lake Bank And Trust Company.

View Profile Feb 07 1991

Arneson Bancshares, Inc.

Arneson Bancshares, Inc. became a new parent organization for Clear Lake Bank And Trust Company.

View Profile Feb 04 1991

Clear Lake Bank And Trust Company

Clear Lake Bank And Trust Company was established 90 years ago and is currently headquartered in Clear Lake, IA.

Jan 01 1934
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Home Federal Savings And Loan Association, F.A. Seller 114,574 Failure 2/1/1992
Relationships Role Relationship Start Relationship End
Arneson Bancshares, Inc. Parent 9/21/1991
Clear Lake Investors, Inc. Parent 2/7/1991 9/20/1991
Arneson Bancshares, Inc. Parent 2/4/1991 9/20/1991
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