Call reports 2013
BANK OF CLARKE — 2013
What BANK OF CLARKE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 577,309,000 | 582,683,000 | 580,670,000 | 582,472,000 |
| Total loans | 423,850,000 | 436,357,000 | 438,064,000 | 444,273,000 |
| Allowance for loan losses | 6,960,000 | 6,978,000 | 6,717,000 | 5,488,000 |
| Securities available for sale | 110,109,000 | 104,734,000 | 100,328,000 | 99,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,093,000 | 475,438,000 | 476,497,000 | 488,006,000 |
| Interest-bearing deposits | 337,429,000 | 337,510,000 | 331,371,000 | 339,889,000 |
| Noninterest-bearing deposits | 137,664,000 | 137,928,000 | 145,126,000 | 148,117,000 |
| Equity capital | 67,151,000 | 67,014,000 | 68,325,000 | 69,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,247,000 | 12,450,000 | 18,725,000 | 24,938,000 |
| Interest expense | 625,000 | 1,185,000 | 1,733,000 | 2,267,000 |
| Net interest income | 5,622,000 | 11,265,000 | 16,992,000 | 22,671,000 |
| Noninterest income | 1,510,000 | 3,998,000 | 5,450,000 | 6,777,000 |
| Noninterest expense | 4,529,000 | 9,462,000 | 14,466,000 | 19,967,000 |
| Provision for loan losses | 383,000 | 767,000 | 767,000 | 0 |
| Pretax income | 2,610,000 | 5,434,000 | 7,609,000 | 9,946,000 |
| Income tax | 758,000 | 1,510,000 | 2,130,000 | 2,523,000 |
| Net income | 1,852,000 | 3,924,000 | 5,479,000 | 7,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,728,000 | 65,801,000 | 67,355,000 | 69,299,000 |
| Total capital | 68,797,000 | 71,136,000 | 72,611,000 | 74,595,000 |
| Risk-weighted assets | 403,585,000 | 425,105,000 | 418,999,000 | 423,488,000 |