Call reports 2004
BANK OF CLARKE — 2004
What BANK OF CLARKE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 352,083,000 | 371,159,000 | 394,163,000 | 410,052,000 |
| Total loans | 283,374,000 | 295,309,000 | 295,302,000 | 311,058,000 |
| Allowance for loan losses | 2,938,000 | 3,086,000 | 3,146,000 | 3,265,000 |
| Securities available for sale | 27,174,000 | 32,442,000 | 44,682,000 | 49,486,000 |
| Securities held to maturity | 13,299,000 | 13,808,000 | 18,804,000 | 19,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,449,000 | 301,480,000 | 322,198,000 | 338,546,000 |
| Interest-bearing deposits | 257,105,000 | 273,479,000 | 295,447,000 | 305,056,000 |
| Noninterest-bearing deposits | 25,344,000 | 28,001,000 | 26,751,000 | 33,490,000 |
| Equity capital | 32,523,000 | 32,988,000 | 34,540,000 | 35,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,454,000 | 9,022,000 | 13,936,000 | 19,120,000 |
| Interest expense | 892,000 | 1,817,000 | 2,885,000 | 4,044,000 |
| Net interest income | 3,562,000 | 7,205,000 | 11,051,000 | 15,076,000 |
| Noninterest income | 820,000 | 1,990,000 | 3,365,000 | 4,446,000 |
| Noninterest expense | 2,994,000 | 5,973,000 | 8,961,000 | 12,215,000 |
| Provision for loan losses | 175,000 | 315,000 | 390,000 | 525,000 |
| Pretax income | 1,357,000 | 3,051,000 | 5,209,000 | 6,926,000 |
| Income tax | 423,000 | 960,000 | 1,610,000 | 2,133,000 |
| Net income | 934,000 | 2,091,000 | 3,599,000 | 4,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,732,000 | 32,600,000 | 33,819,000 | 34,725,000 |
| Total capital | 34,670,000 | 35,686,000 | 36,965,000 | 37,990,000 |
| Risk-weighted assets | 277,308,000 | 289,081,000 | 294,328,000 | 307,947,000 |
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