Call reports 2016
BANK OF CLARKE — 2016
What BANK OF CLARKE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 659,763,000 | 671,322,000 | 660,655,000 | 692,944,000 |
| Total loans | 508,084,000 | 514,471,000 | 511,393,000 | 514,039,000 |
| Allowance for loan losses | 4,980,000 | 4,949,000 | 4,635,000 | 4,484,000 |
| Securities available for sale | 100,356,000 | 102,782,000 | 105,554,000 | 119,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 560,633,000 | 572,059,000 | 581,767,000 | 604,268,000 |
| Interest-bearing deposits | 366,163,000 | 373,705,000 | 377,397,000 | 394,928,000 |
| Noninterest-bearing deposits | 194,470,000 | 198,354,000 | 204,370,000 | 209,340,000 |
| Equity capital | 75,887,000 | 77,206,000 | 76,572,000 | 76,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,397,000 | 13,008,000 | 19,268,000 | 25,686,000 |
| Interest expense | 266,000 | 523,000 | 728,000 | 924,000 |
| Net interest income | 6,131,000 | 12,485,000 | 18,540,000 | 24,762,000 |
| Noninterest income | 1,510,000 | 3,158,000 | 4,802,000 | 6,298,000 |
| Noninterest expense | 5,509,000 | 11,217,000 | 17,047,000 | 22,315,000 |
| Provision for loan losses | 79,000 | 79,000 | -46,000 | -186,000 |
| Pretax income | 2,139,000 | 4,433,000 | 6,435,000 | 9,029,000 |
| Income tax | 599,000 | 1,254,000 | 1,811,000 | 2,589,000 |
| Net income | 1,540,000 | 3,179,000 | 4,624,000 | 6,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,273,000 | 75,162,000 | 74,607,000 | 76,124,000 |
| Total capital | 79,281,000 | 80,139,000 | 79,272,000 | 80,640,000 |
| Risk-weighted assets | 517,992,000 | 522,583,000 | 521,044,000 | 503,686,000 |