Call reports 2006
BANK OF CLARKS — 2006
What BANK OF CLARKS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 31,125,000 | 31,030,000 | 31,360,000 | 32,389,000 |
| Total loans | 25,767,000 | 26,530,000 | 27,498,000 | 27,260,000 |
| Allowance for loan losses | 753,000 | 770,000 | 787,000 | 772,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,932,000 | 1,940,000 | 1,939,000 | 1,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,119,000 | 24,944,000 | 23,776,000 | 25,816,000 |
| Interest-bearing deposits | 21,323,000 | 21,148,000 | 20,211,000 | 21,562,000 |
| Noninterest-bearing deposits | 3,796,000 | 3,796,000 | 3,565,000 | 4,254,000 |
| Equity capital | 3,056,000 | 3,115,000 | 3,217,000 | 3,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 558,000 | 1,114,000 | 1,697,000 | 2,287,000 |
| Interest expense | 165,000 | 348,000 | 558,000 | 782,000 |
| Net interest income | 393,000 | 766,000 | 1,139,000 | 1,505,000 |
| Noninterest income | 53,000 | 98,000 | 167,000 | 231,000 |
| Noninterest expense | 294,000 | 585,000 | 870,000 | 1,152,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 137,000 | 249,000 | 391,000 | 524,000 |
| Income tax | 24,000 | 78,000 | 117,000 | 169,000 |
| Net income | 113,000 | 171,000 | 274,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,056,000 | 3,115,000 | 3,217,000 | 3,298,000 |
| Total capital | 3,365,000 | 3,431,000 | 3,545,000 | 3,631,000 |
| Risk-weighted assets | 24,255,000 | 24,858,000 | 25,784,000 | 26,175,000 |