Call reports 2015
BANK OF CLARKS — 2015
What BANK OF CLARKS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,657,000 | 37,493,000 | 34,583,000 | 35,184,000 |
| Total loans | 26,618,000 | 27,970,000 | 28,735,000 | 29,488,000 |
| Allowance for loan losses | 543,000 | 594,000 | 614,000 | 582,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,026,000 | 3,826,000 | 3,568,000 | 3,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,177,000 | 32,790,000 | 30,286,000 | 29,487,000 |
| Interest-bearing deposits | 24,248,000 | 23,141,000 | 22,131,000 | 21,328,000 |
| Noninterest-bearing deposits | 9,929,000 | 9,649,000 | 8,155,000 | 8,159,000 |
| Equity capital | 3,748,000 | 3,821,000 | 3,889,000 | 3,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 806,000 | 1,221,000 | 1,616,000 |
| Interest expense | 36,000 | 72,000 | 105,000 | 132,000 |
| Net interest income | 373,000 | 734,000 | 1,116,000 | 1,484,000 |
| Noninterest income | 37,000 | 67,000 | 90,000 | 117,000 |
| Noninterest expense | 304,000 | 580,000 | 878,000 | 1,166,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 100,000 | 209,000 | 307,000 | 408,000 |
| Income tax | 31,000 | 68,000 | 98,000 | 102,000 |
| Net income | 69,000 | 141,000 | 209,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,748,000 | 3,821,000 | 3,889,000 | 3,736,000 |
| Total capital | 4,169,000 | 4,224,000 | 4,295,000 | 4,152,000 |
| Risk-weighted assets | 33,597,000 | 32,030,000 | 32,288,000 | 33,141,000 |