Call reports 2003
BANK OF CLARKE — 2003
What BANK OF CLARKE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 302,610,000 | 319,506,000 | 336,132,000 | 348,871,000 |
| Total loans | 236,317,000 | 253,700,000 | 265,844,000 | 276,473,000 |
| Allowance for loan losses | 2,470,000 | 2,682,000 | 2,796,000 | 2,867,000 |
| Securities available for sale | 22,653,000 | 23,087,000 | 28,878,000 | 29,497,000 |
| Securities held to maturity | 14,785,000 | 15,403,000 | 15,785,000 | 14,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,592,000 | 263,406,000 | 270,258,000 | 275,808,000 |
| Interest-bearing deposits | 229,441,000 | 235,447,000 | 235,593,000 | 254,460,000 |
| Noninterest-bearing deposits | 19,151,000 | 27,959,000 | 34,665,000 | 21,348,000 |
| Equity capital | 28,819,000 | 29,936,000 | 30,653,000 | 31,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,020,000 | 8,251,000 | 12,559,000 | 16,970,000 |
| Interest expense | 1,001,000 | 1,944,000 | 2,796,000 | 3,642,000 |
| Net interest income | 3,019,000 | 6,307,000 | 9,763,000 | 13,328,000 |
| Noninterest income | 908,000 | 1,879,000 | 2,891,000 | 3,920,000 |
| Noninterest expense | 2,439,000 | 4,958,000 | 7,672,000 | 10,535,000 |
| Provision for loan losses | 125,000 | 370,000 | 475,000 | 650,000 |
| Pretax income | 1,363,000 | 2,858,000 | 4,507,000 | 6,063,000 |
| Income tax | 428,000 | 907,000 | 1,425,000 | 1,919,000 |
| Net income | 935,000 | 1,951,000 | 3,082,000 | 4,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,971,000 | 28,848,000 | 29,791,000 | 31,137,000 |
| Total capital | 30,441,000 | 31,530,000 | 32,587,000 | 34,004,000 |
| Risk-weighted assets | 228,545,000 | 240,495,000 | 254,369,000 | 265,514,000 |
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