Call reports 2011
BANK OF CLARKS — 2011
What BANK OF CLARKS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 38,766,000 | 36,665,000 | 35,027,000 | 36,263,000 |
| Total loans | 21,584,000 | 24,701,000 | 27,311,000 | 28,248,000 |
| Allowance for loan losses | 731,000 | 733,000 | 735,000 | 716,000 |
| Securities available for sale | 0 | 1,002,000 | 801,000 | 201,000 |
| Securities held to maturity | 2,348,000 | 3,028,000 | 2,157,000 | 1,501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,500,000 | 32,581,000 | 30,894,000 | 32,144,000 |
| Interest-bearing deposits | 27,056,000 | 26,483,000 | 24,792,000 | 25,027,000 |
| Noninterest-bearing deposits | 7,444,000 | 6,098,000 | 6,102,000 | 7,117,000 |
| Equity capital | 3,185,000 | 3,217,000 | 3,281,000 | 3,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 763,000 | 1,181,000 | 1,601,000 |
| Interest expense | 89,000 | 167,000 | 242,000 | 312,000 |
| Net interest income | 309,000 | 596,000 | 939,000 | 1,289,000 |
| Noninterest income | 41,000 | 86,000 | 127,000 | 168,000 |
| Noninterest expense | 282,000 | 569,000 | 855,000 | 1,142,000 |
| Provision for loan losses | 24,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 44,000 | 89,000 | 187,000 | 291,000 |
| Income tax | 13,000 | 28,000 | 61,000 | 81,000 |
| Net income | 31,000 | 61,000 | 126,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,185,000 | 3,215,000 | 3,281,000 | 3,364,000 |
| Total capital | 3,491,000 | 3,536,000 | 3,625,000 | 3,723,000 |
| Risk-weighted assets | 24,080,000 | 25,256,000 | 27,150,000 | 28,336,000 |