Call reports 2014
BANK OF CLARKS — 2014
What BANK OF CLARKS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 38,934,000 | 37,549,000 | 36,460,000 | 36,344,000 |
| Total loans | 25,913,000 | 26,181,000 | 26,969,000 | 29,957,000 |
| Allowance for loan losses | 667,000 | 627,000 | 575,000 | 535,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,011,000 | 3,176,000 | 3,851,000 | 4,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,492,000 | 33,109,000 | 31,918,000 | 31,779,000 |
| Interest-bearing deposits | 25,295,000 | 24,759,000 | 24,275,000 | 23,402,000 |
| Noninterest-bearing deposits | 9,197,000 | 8,350,000 | 7,643,000 | 8,377,000 |
| Equity capital | 3,656,000 | 3,691,000 | 3,775,000 | 3,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 769,000 | 1,183,000 | 1,583,000 |
| Interest expense | 40,000 | 80,000 | 119,000 | 157,000 |
| Net interest income | 356,000 | 689,000 | 1,064,000 | 1,426,000 |
| Noninterest income | 23,000 | 42,000 | 85,000 | 107,000 |
| Noninterest expense | 300,000 | 594,000 | 892,000 | 1,167,000 |
| Provision for loan losses | 11,000 | 17,000 | 23,000 | 30,000 |
| Pretax income | 68,000 | 121,000 | 251,000 | 353,000 |
| Income tax | 20,000 | 39,000 | 84,000 | 107,000 |
| Net income | 48,000 | 82,000 | 167,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,656,000 | 3,691,000 | 3,775,000 | 3,679,000 |
| Total capital | 4,000,000 | 4,032,000 | 4,123,000 | 4,069,000 |
| Risk-weighted assets | 27,170,000 | 27,002,000 | 27,648,000 | 31,018,000 |