Call reports 2004
BANK OF CLARKS — 2004
What BANK OF CLARKS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,334,000 | 32,623,000 | 32,569,000 | 33,413,000 |
| Total loans | 25,430,000 | 26,763,000 | 27,678,000 | 27,449,000 |
| Allowance for loan losses | 820,000 | 707,000 | 726,000 | 695,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,208,000 | 2,306,000 | 2,204,000 | 2,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,415,000 | 25,601,000 | 24,636,000 | 26,219,000 |
| Interest-bearing deposits | 22,319,000 | 21,715,000 | 21,214,000 | 21,277,000 |
| Noninterest-bearing deposits | 4,096,000 | 3,886,000 | 3,422,000 | 4,942,000 |
| Equity capital | 2,825,000 | 2,885,000 | 2,954,000 | 3,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 509,000 | 983,000 | 1,490,000 | 2,007,000 |
| Interest expense | 135,000 | 264,000 | 400,000 | 534,000 |
| Net interest income | 374,000 | 719,000 | 1,090,000 | 1,473,000 |
| Noninterest income | 41,000 | 101,000 | 152,000 | 211,000 |
| Noninterest expense | 310,000 | 623,000 | 934,000 | 1,223,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 105,000 | 197,000 | 293,000 | 431,000 |
| Income tax | 36,000 | 68,000 | 95,000 | 135,000 |
| Net income | 69,000 | 129,000 | 198,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,825,000 | 2,885,000 | 2,954,000 | 3,052,000 |
| Total capital | 3,144,000 | 3,212,000 | 3,297,000 | 3,399,000 |
| Risk-weighted assets | 25,062,000 | 25,761,000 | 27,024,000 | 27,418,000 |