Call reports 2005
BANK OF CLARKS — 2005
What BANK OF CLARKS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,453,000 | 30,096,000 | 31,929,000 | 32,319,000 |
| Total loans | 24,352,000 | 25,867,000 | 27,322,000 | 27,895,000 |
| Allowance for loan losses | 733,000 | 768,000 | 723,000 | 754,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,265,000 | 2,065,000 | 2,061,000 | 1,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,571,000 | 24,472,000 | 23,483,000 | 26,243,000 |
| Interest-bearing deposits | 21,348,000 | 21,024,000 | 19,521,000 | 20,956,000 |
| Noninterest-bearing deposits | 4,223,000 | 3,448,000 | 3,962,000 | 5,287,000 |
| Equity capital | 2,926,000 | 2,992,000 | 3,054,000 | 3,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 949,000 | 1,487,000 | 2,011,000 |
| Interest expense | 127,000 | 253,000 | 399,000 | 563,000 |
| Net interest income | 359,000 | 696,000 | 1,088,000 | 1,448,000 |
| Noninterest income | 39,000 | 120,000 | 159,000 | 189,000 |
| Noninterest expense | 290,000 | 601,000 | 906,000 | 1,186,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 24,000 |
| Pretax income | 93,000 | 185,000 | 301,000 | 427,000 |
| Income tax | 19,000 | 46,000 | 99,000 | 136,000 |
| Net income | 74,000 | 139,000 | 202,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,926,000 | 2,992,000 | 3,054,000 | 3,144,000 |
| Total capital | 3,232,000 | 3,303,000 | 3,413,000 | 3,488,000 |
| Risk-weighted assets | 24,062,000 | 24,458,000 | 28,344,000 | 27,091,000 |