Call reports 2008
BANK OF CLARKE — 2008
What BANK OF CLARKE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 512,038,000 | 511,839,000 | 508,850,000 | 522,016,000 |
| Total loans | 387,597,000 | 390,660,000 | 391,389,000 | 390,086,000 |
| Allowance for loan losses | 3,305,000 | 3,333,000 | 3,911,000 | 4,521,000 |
| Securities available for sale | 88,329,000 | 87,361,000 | 84,993,000 | 88,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,029,000 | 372,662,000 | 367,593,000 | 387,030,000 |
| Interest-bearing deposits | 339,716,000 | 337,968,000 | 330,836,000 | 350,235,000 |
| Noninterest-bearing deposits | 36,313,000 | 34,694,000 | 36,757,000 | 36,795,000 |
| Equity capital | 47,451,000 | 47,068,000 | 44,512,000 | 47,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,533,000 | 14,838,000 | 22,035,000 | 29,089,000 |
| Interest expense | 2,946,000 | 5,410,000 | 7,832,000 | 10,166,000 |
| Net interest income | 4,587,000 | 9,428,000 | 14,203,000 | 18,923,000 |
| Noninterest income | 1,907,000 | 4,361,000 | 5,802,000 | 7,106,000 |
| Noninterest expense | 3,856,000 | 7,861,000 | 11,959,000 | 15,670,000 |
| Provision for loan losses | 200,000 | 500,000 | 1,210,000 | 2,310,000 |
| Pretax income | 2,438,000 | 5,428,000 | 4,348,000 | 5,561,000 |
| Income tax | 720,000 | 1,620,000 | 1,988,000 | 1,441,000 |
| Net income | 1,718,000 | 3,808,000 | 2,360,000 | 4,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,742,000 | 48,403,000 | 47,045,000 | 48,375,000 |
| Total capital | 51,047,000 | 51,736,000 | 50,956,000 | 52,896,000 |
| Risk-weighted assets | 399,086,000 | 389,344,000 | 381,673,000 | 387,137,000 |