Call reports 2003
BANK OF CLARKS — 2003
What BANK OF CLARKS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,729,000 | 18,077,000 | 32,558,000 | 33,485,000 |
| Total loans | 14,124,000 | 13,996,000 | 27,493,000 | 27,551,000 |
| Allowance for loan losses | 461,000 | 461,000 | 760,000 | 809,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,349,000 | 1,307,000 | 2,038,000 | 2,469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,578,000 | 13,882,000 | 25,154,000 | 26,521,000 |
| Interest-bearing deposits | 12,709,000 | 12,525,000 | 21,670,000 | 21,827,000 |
| Noninterest-bearing deposits | 1,869,000 | 1,357,000 | 3,484,000 | 4,694,000 |
| Equity capital | 1,430,000 | 1,471,000 | 2,835,000 | 2,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 318,000 | 609,000 | 1,689,000 | 2,214,000 |
| Interest expense | 121,000 | 227,000 | 523,000 | 664,000 |
| Net interest income | 197,000 | 382,000 | 1,166,000 | 1,550,000 |
| Noninterest income | 17,000 | 44,000 | 125,000 | 162,000 |
| Noninterest expense | 168,000 | 326,000 | 959,000 | 1,207,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 80,000 |
| Pretax income | 46,000 | 100,000 | 272,000 | 425,000 |
| Income tax | 24,000 | 37,000 | 118,000 | 145,000 |
| Net income | 22,000 | 63,000 | 154,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,430,000 | 1,471,000 | 2,835,000 | 2,906,000 |
| Total capital | 1,612,000 | 1,652,000 | 3,175,000 | 3,247,000 |
| Risk-weighted assets | 14,311,000 | 14,212,000 | 26,818,000 | 26,891,000 |