Call reports 2013
BANK OF CLARKS — 2013
What BANK OF CLARKS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 42,224,000 | 38,129,000 | 37,133,000 | 36,734,000 |
| Total loans | 25,736,000 | 26,089,000 | 27,828,000 | 29,740,000 |
| Allowance for loan losses | 706,000 | 688,000 | 644,000 | 693,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,470,000 | 1,344,000 | 2,233,000 | 2,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,880,000 | 33,655,000 | 32,550,000 | 32,163,000 |
| Interest-bearing deposits | 28,082,000 | 26,457,000 | 25,900,000 | 24,458,000 |
| Noninterest-bearing deposits | 9,798,000 | 7,198,000 | 6,650,000 | 7,705,000 |
| Equity capital | 3,557,000 | 3,667,000 | 3,719,000 | 3,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 826,000 | 1,238,000 | 1,656,000 |
| Interest expense | 47,000 | 95,000 | 141,000 | 184,000 |
| Net interest income | 376,000 | 731,000 | 1,097,000 | 1,472,000 |
| Noninterest income | 33,000 | 64,000 | 124,000 | 168,000 |
| Noninterest expense | 281,000 | 513,000 | 812,000 | 1,091,000 |
| Provision for loan losses | 6,000 | 12,000 | 32,000 | 101,000 |
| Pretax income | 122,000 | 270,000 | 377,000 | 448,000 |
| Income tax | 38,000 | 76,000 | 132,000 | 153,000 |
| Net income | 84,000 | 194,000 | 245,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,557,000 | 3,667,000 | 3,719,000 | 3,608,000 |
| Total capital | 3,886,000 | 3,998,000 | 4,079,000 | 4,001,000 |
| Risk-weighted assets | 25,974,000 | 26,099,000 | 28,510,000 | 31,115,000 |