Call reports 2002
BANK OF CLARKS — 2002
What BANK OF CLARKS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 18,773,000 | 19,264,000 | 19,952,000 | 19,839,000 |
| Total loans | 13,833,000 | 15,283,000 | 16,441,000 | 16,051,000 |
| Allowance for loan losses | 416,000 | 418,000 | 423,000 | 456,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,032,000 | 2,019,000 | 1,598,000 | 1,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,126,000 | 14,719,000 | 14,084,000 | 15,407,000 |
| Interest-bearing deposits | 13,177,000 | 13,157,000 | 12,585,000 | 13,115,000 |
| Noninterest-bearing deposits | 1,950,000 | 1,562,000 | 1,499,000 | 2,292,000 |
| Equity capital | 1,376,000 | 1,391,000 | 1,452,000 | 1,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 649,000 | 1,029,000 | 1,403,000 |
| Interest expense | 162,000 | 294,000 | 452,000 | 595,000 |
| Net interest income | 155,000 | 355,000 | 577,000 | 808,000 |
| Noninterest income | 17,000 | 32,000 | 54,000 | 68,000 |
| Noninterest expense | 109,000 | 318,000 | 471,000 | 619,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 48,000 | 54,000 | 145,000 | 242,000 |
| Income tax | 16,000 | 7,000 | 37,000 | 71,000 |
| Net income | 32,000 | 47,000 | 108,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,376,000 | 1,391,000 | 1,452,000 | 1,408,000 |
| Total capital | 1,555,000 | 1,582,000 | 1,656,000 | 1,607,000 |
| Risk-weighted assets | 13,960,000 | 15,014,000 | 16,068,000 | 15,669,000 |