Call reports 2016
BANK OF CLARKS — 2016
What BANK OF CLARKS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 36,158,000 | 34,370,000 | 35,411,000 | 34,017,000 |
| Total loans | 26,939,000 | 28,103,000 | 30,317,000 | 29,380,000 |
| Allowance for loan losses | 513,000 | 505,000 | 499,000 | 495,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,228,000 | 3,965,000 | 3,419,000 | 2,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,022,000 | 30,200,000 | 28,973,000 | 29,704,000 |
| Interest-bearing deposits | 21,797,000 | 21,924,000 | 20,983,000 | 21,220,000 |
| Noninterest-bearing deposits | 10,225,000 | 8,276,000 | 7,990,000 | 8,484,000 |
| Equity capital | 3,811,000 | 3,864,000 | 3,923,000 | 3,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 761,000 | 1,237,000 | 1,660,000 |
| Interest expense | 26,000 | 53,000 | 78,000 | 109,000 |
| Net interest income | 368,000 | 708,000 | 1,159,000 | 1,551,000 |
| Noninterest income | 33,000 | 58,000 | 66,000 | 96,000 |
| Noninterest expense | 290,000 | 579,000 | 893,000 | 1,174,000 |
| Provision for loan losses | 6,000 | 12,000 | 65,000 | 71,000 |
| Pretax income | 105,000 | 182,000 | 274,000 | 409,000 |
| Income tax | 30,000 | 54,000 | 86,000 | 117,000 |
| Net income | 75,000 | 128,000 | 188,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,811,000 | 3,864,000 | 3,923,000 | 3,827,000 |
| Total capital | 4,212,000 | 4,260,000 | 4,341,000 | 4,229,000 |
| Risk-weighted assets | 31,973,000 | 31,543,000 | 33,371,000 | 32,086,000 |