Call reports 2010
BANK OF CLARKS — 2010
What BANK OF CLARKS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 34,266,000 | 34,249,000 | 34,412,000 | 36,853,000 |
| Total loans | 26,602,000 | 27,810,000 | 28,764,000 | 27,802,000 |
| Allowance for loan losses | 739,000 | 742,000 | 713,000 | 692,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,264,000 | 2,242,000 | 2,141,000 | 2,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,008,000 | 29,896,000 | 30,030,000 | 32,414,000 |
| Interest-bearing deposits | 23,986,000 | 24,643,000 | 24,274,000 | 26,538,000 |
| Noninterest-bearing deposits | 6,022,000 | 5,253,000 | 5,756,000 | 5,876,000 |
| Equity capital | 3,172,000 | 3,240,000 | 3,279,000 | 3,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 882,000 | 1,347,000 | 1,799,000 |
| Interest expense | 105,000 | 205,000 | 309,000 | 409,000 |
| Net interest income | 337,000 | 677,000 | 1,038,000 | 1,390,000 |
| Noninterest income | 56,000 | 97,000 | 141,000 | 181,000 |
| Noninterest expense | 294,000 | 571,000 | 888,000 | 1,141,000 |
| Provision for loan losses | 10,000 | 10,000 | 40,000 | 95,000 |
| Pretax income | 89,000 | 193,000 | 251,000 | 335,000 |
| Income tax | 29,000 | 65,000 | 84,000 | 118,000 |
| Net income | 60,000 | 128,000 | 167,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,172,000 | 3,240,000 | 3,279,000 | 3,154,000 |
| Total capital | 3,511,000 | 3,585,000 | 3,634,000 | 3,510,000 |
| Risk-weighted assets | 26,691,000 | 27,223,000 | 28,010,000 | 28,140,000 |