Call reports 2009
BANK OF CLARKS — 2009
What BANK OF CLARKS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,767,000 | 34,261,000 | 34,329,000 | 34,944,000 |
| Total loans | 25,731,000 | 27,685,000 | 29,457,000 | 29,368,000 |
| Allowance for loan losses | 721,000 | 750,000 | 753,000 | 756,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,163,000 | 2,176,000 | 2,273,000 | 2,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,512,000 | 29,470,000 | 28,504,000 | 30,554,000 |
| Interest-bearing deposits | 22,702,000 | 24,868,000 | 24,203,000 | 23,850,000 |
| Noninterest-bearing deposits | 4,810,000 | 4,602,000 | 4,301,000 | 6,704,000 |
| Equity capital | 3,105,000 | 3,151,000 | 3,216,000 | 3,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 937,000 | 1,423,000 | 1,909,000 |
| Interest expense | 150,000 | 296,000 | 429,000 | 546,000 |
| Net interest income | 313,000 | 641,000 | 994,000 | 1,363,000 |
| Noninterest income | 38,000 | 70,000 | 109,000 | 152,000 |
| Noninterest expense | 307,000 | 600,000 | 901,000 | 1,163,000 |
| Provision for loan losses | 7,000 | 7,000 | 7,000 | 7,000 |
| Pretax income | 37,000 | 104,000 | 195,000 | 345,000 |
| Income tax | 13,000 | 34,000 | 61,000 | 114,000 |
| Net income | 24,000 | 70,000 | 134,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,105,000 | 3,151,000 | 3,216,000 | 3,112,000 |
| Total capital | 3,454,000 | 3,492,000 | 3,574,000 | 3,480,000 |
| Risk-weighted assets | 27,534,000 | 26,868,000 | 28,272,000 | 29,029,000 |