Call reports 2014
BANK OF CLARKE — 2014
What BANK OF CLARKE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 591,817,000 | 598,042,000 | 601,966,000 | 624,282,000 |
| Total loans | 456,472,000 | 464,319,000 | 465,068,000 | 469,820,000 |
| Allowance for loan losses | 5,716,000 | 5,871,000 | 5,587,000 | 5,080,000 |
| Securities available for sale | 101,196,000 | 97,692,000 | 95,892,000 | 92,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,750,000 | 492,697,000 | 495,572,000 | 505,510,000 |
| Interest-bearing deposits | 336,587,000 | 344,053,000 | 343,175,000 | 344,464,000 |
| Noninterest-bearing deposits | 147,163,000 | 148,644,000 | 152,397,000 | 161,046,000 |
| Equity capital | 71,192,000 | 73,492,000 | 74,131,000 | 76,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,113,000 | 12,474,000 | 18,625,000 | 24,667,000 |
| Interest expense | 416,000 | 826,000 | 1,226,000 | 1,595,000 |
| Net interest income | 5,697,000 | 11,648,000 | 17,399,000 | 23,072,000 |
| Noninterest income | 1,342,000 | 2,905,000 | 4,270,000 | 5,666,000 |
| Noninterest expense | 4,801,000 | 9,689,000 | 14,954,000 | 19,810,000 |
| Provision for loan losses | 283,000 | 0 | 0 | 350,000 |
| Pretax income | 1,955,000 | 4,869,000 | 6,720,000 | 9,285,000 |
| Income tax | 545,000 | 1,418,000 | 1,927,000 | 2,105,000 |
| Net income | 1,410,000 | 3,451,000 | 4,793,000 | 7,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,159,000 | 71,950,000 | 72,542,000 | 74,929,000 |
| Total capital | 75,569,000 | 77,476,000 | 78,054,000 | 80,035,000 |
| Risk-weighted assets | 432,477,000 | 441,746,000 | 440,829,000 | 438,832,000 |