Call reports 2009
BANK OF CLARKE — 2009
What BANK OF CLARKE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 529,578,000 | 516,099,000 | 514,531,000 | 528,698,000 |
| Total loans | 388,640,000 | 389,584,000 | 392,314,000 | 404,066,000 |
| Allowance for loan losses | 5,008,000 | 4,384,000 | 4,896,000 | 5,970,000 |
| Securities available for sale | 92,381,000 | 91,905,000 | 87,533,000 | 90,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,808,000 | 381,849,000 | 376,117,000 | 398,422,000 |
| Interest-bearing deposits | 365,011,000 | 344,664,000 | 337,036,000 | 363,447,000 |
| Noninterest-bearing deposits | 36,797,000 | 37,185,000 | 39,081,000 | 34,975,000 |
| Equity capital | 47,716,000 | 48,765,000 | 50,838,000 | 51,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,663,000 | 13,435,000 | 20,196,000 | 27,069,000 |
| Interest expense | 1,989,000 | 3,694,000 | 5,106,000 | 6,474,000 |
| Net interest income | 4,674,000 | 9,741,000 | 15,090,000 | 20,595,000 |
| Noninterest income | 1,194,000 | 2,438,000 | 3,773,000 | 5,035,000 |
| Noninterest expense | 3,798,000 | 7,849,000 | 12,013,000 | 16,316,000 |
| Provision for loan losses | 800,000 | 1,850,000 | 2,900,000 | 4,350,000 |
| Pretax income | 1,270,000 | 2,480,000 | 3,511,000 | 4,545,000 |
| Income tax | 319,000 | 615,000 | 852,000 | 1,066,000 |
| Net income | 951,000 | 1,865,000 | 2,659,000 | 3,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,570,000 | 49,421,000 | 50,262,000 | 50,942,000 |
| Total capital | 53,431,000 | 53,805,000 | 55,056,000 | 55,882,000 |
| Risk-weighted assets | 388,136,000 | 384,890,000 | 383,418,000 | 394,204,000 |