Call reports 2007
BANK OF CLARKS — 2007
What BANK OF CLARKS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,244,000 | 32,446,000 | 33,803,000 | 36,176,000 |
| Total loans | 25,487,000 | 26,368,000 | 28,745,000 | 27,085,000 |
| Allowance for loan losses | 769,000 | 782,000 | 778,000 | 786,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,934,000 | 2,130,000 | 2,032,000 | 2,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,657,000 | 26,915,000 | 28,172,000 | 30,517,000 |
| Interest-bearing deposits | 22,698,000 | 22,931,000 | 24,468,000 | 24,550,000 |
| Noninterest-bearing deposits | 3,959,000 | 3,984,000 | 3,704,000 | 5,967,000 |
| Equity capital | 3,276,000 | 3,229,000 | 3,308,000 | 3,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 619,000 | 1,220,000 | 1,845,000 | 2,448,000 |
| Interest expense | 219,000 | 454,000 | 705,000 | 958,000 |
| Net interest income | 400,000 | 766,000 | 1,140,000 | 1,490,000 |
| Noninterest income | 59,000 | 121,000 | 186,000 | 247,000 |
| Noninterest expense | 287,000 | 581,000 | 900,000 | 1,202,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 157,000 | 276,000 | 396,000 | 505,000 |
| Income tax | 54,000 | 96,000 | 136,000 | 167,000 |
| Net income | 103,000 | 180,000 | 260,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,276,000 | 3,229,000 | 3,308,000 | 3,061,000 |
| Total capital | 3,578,000 | 3,549,000 | 3,659,000 | 3,421,000 |
| Risk-weighted assets | 23,714,000 | 25,116,000 | 27,693,000 | 28,384,000 |