Call reports 2012
BANK OF CLARKS — 2012
What BANK OF CLARKS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 40,330,000 | 39,977,000 | 36,041,000 | 38,159,000 |
| Total loans | 23,995,000 | 26,188,000 | 29,173,000 | 30,625,000 |
| Allowance for loan losses | 721,000 | 723,000 | 719,000 | 720,000 |
| Securities available for sale | 200,000 | 0 | 0 | 0 |
| Securities held to maturity | 1,200,000 | 1,275,000 | 1,275,000 | 1,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,188,000 | 35,766,000 | 31,733,000 | 33,781,000 |
| Interest-bearing deposits | 27,705,000 | 28,531,000 | 24,794,000 | 25,437,000 |
| Noninterest-bearing deposits | 8,483,000 | 7,235,000 | 6,939,000 | 8,344,000 |
| Equity capital | 3,398,000 | 3,446,000 | 3,527,000 | 3,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 381,000 | 763,000 | 1,188,000 | 1,631,000 |
| Interest expense | 67,000 | 130,000 | 184,000 | 234,000 |
| Net interest income | 314,000 | 633,000 | 1,004,000 | 1,397,000 |
| Noninterest income | 36,000 | 69,000 | 105,000 | 139,000 |
| Noninterest expense | 304,000 | 586,000 | 871,000 | 1,174,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 116,000 | 238,000 | 362,000 |
| Income tax | 12,000 | 34,000 | 75,000 | 113,000 |
| Net income | 34,000 | 82,000 | 163,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,398,000 | 3,446,000 | 3,527,000 | 3,473,000 |
| Total capital | 3,737,000 | 3,793,000 | 3,892,000 | 3,866,000 |
| Risk-weighted assets | 26,728,000 | 27,353,000 | 28,866,000 | 31,108,000 |