Call reports 2015
BANK OF CLARKE — 2015
What BANK OF CLARKE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 612,589,000 | 630,115,000 | 634,931,000 | 648,758,000 |
| Total loans | 461,393,000 | 483,028,000 | 488,234,000 | 492,610,000 |
| Allowance for loan losses | 5,172,000 | 5,536,000 | 5,141,000 | 4,936,000 |
| Securities available for sale | 96,915,000 | 105,505,000 | 100,953,000 | 105,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,273,000 | 523,776,000 | 528,511,000 | 551,122,000 |
| Interest-bearing deposits | 343,618,000 | 351,419,000 | 350,866,000 | 364,585,000 |
| Noninterest-bearing deposits | 168,655,000 | 172,357,000 | 177,645,000 | 186,537,000 |
| Equity capital | 78,341,000 | 76,233,000 | 74,052,000 | 75,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,932,000 | 12,048,000 | 18,286,000 | 24,431,000 |
| Interest expense | 319,000 | 567,000 | 830,000 | 1,087,000 |
| Net interest income | 5,613,000 | 11,481,000 | 17,456,000 | 23,344,000 |
| Noninterest income | 1,525,000 | 3,066,000 | 4,665,000 | 6,055,000 |
| Noninterest expense | 4,985,000 | 10,948,000 | 16,426,000 | 22,261,000 |
| Provision for loan losses | 133,000 | 433,000 | 0 | -250,000 |
| Pretax income | 2,075,000 | 3,244,000 | 5,792,000 | 7,485,000 |
| Income tax | 558,000 | 823,000 | 1,480,000 | 1,804,000 |
| Net income | 1,517,000 | 2,421,000 | 4,312,000 | 5,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,446,000 | 75,350,000 | 72,665,000 | 74,034,000 |
| Total capital | 81,645,000 | 80,912,000 | 77,833,000 | 78,997,000 |
| Risk-weighted assets | 451,514,000 | 477,322,000 | 495,857,000 | 502,957,000 |