Call reports 2007
BANK OF CLARKE — 2007
What BANK OF CLARKE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 506,037,000 | 497,764,000 | 502,216,000 | 503,181,000 |
| Total loans | 384,392,000 | 382,371,000 | 387,039,000 | 389,661,000 |
| Allowance for loan losses | 3,310,000 | 3,262,000 | 3,242,000 | 3,191,000 |
| Securities available for sale | 53,007,000 | 52,192,000 | 49,838,000 | 46,934,000 |
| Securities held to maturity | 27,986,000 | 28,727,000 | 29,986,000 | 29,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,469,000 | 394,051,000 | 387,010,000 | 380,133,000 |
| Interest-bearing deposits | 367,679,000 | 358,423,000 | 352,775,000 | 345,024,000 |
| Noninterest-bearing deposits | 34,790,000 | 35,628,000 | 34,235,000 | 35,109,000 |
| Equity capital | 45,004,000 | 45,879,000 | 47,179,000 | 47,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,668,000 | 15,418,000 | 23,259,000 | 31,007,000 |
| Interest expense | 3,397,000 | 6,703,000 | 10,082,000 | 13,324,000 |
| Net interest income | 4,271,000 | 8,715,000 | 13,177,000 | 17,683,000 |
| Noninterest income | 1,362,000 | 3,019,000 | 4,622,000 | 6,215,000 |
| Noninterest expense | 3,695,000 | 7,406,000 | 11,469,000 | 15,362,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 550,000 |
| Pretax income | 1,863,000 | 4,178,000 | 6,105,000 | 7,986,000 |
| Income tax | 558,000 | 1,236,000 | 1,806,000 | 2,352,000 |
| Net income | 1,305,000 | 2,942,000 | 4,299,000 | 5,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,390,000 | 46,587,000 | 47,507,000 | 48,004,000 |
| Total capital | 48,700,000 | 49,849,000 | 50,749,000 | 51,195,000 |
| Risk-weighted assets | 384,349,000 | 385,278,000 | 391,910,000 | 389,943,000 |