Call reports 2019
BANK OF CLARKS — 2019
What BANK OF CLARKS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 35,911,000 | 36,983,000 | 39,100,000 | 39,383,000 |
| Total loans | 31,115,000 | 32,322,000 | 33,006,000 | 32,210,000 |
| Allowance for loan losses | 404,000 | 430,000 | 470,000 | 490,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,425,000 | 1,425,000 | 1,425,000 | 1,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,413,000 | 31,383,000 | 33,666,000 | 33,873,000 |
| Interest-bearing deposits | 21,645,000 | 23,386,000 | 23,692,000 | 23,297,000 |
| Noninterest-bearing deposits | 8,768,000 | 7,997,000 | 9,975,000 | 10,576,000 |
| Equity capital | 4,217,000 | 4,291,000 | 4,401,000 | 4,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 496,000 | 1,004,000 | 1,543,000 | 2,065,000 |
| Interest expense | 67,000 | 149,000 | 237,000 | 323,000 |
| Net interest income | 429,000 | 855,000 | 1,306,000 | 1,742,000 |
| Noninterest income | 29,000 | 50,000 | 70,000 | 93,000 |
| Noninterest expense | 340,000 | 676,000 | 1,003,000 | 1,312,000 |
| Provision for loan losses | 9,000 | 24,000 | 39,000 | 54,000 |
| Pretax income | 109,000 | 205,000 | 334,000 | 469,000 |
| Income tax | 16,000 | 37,000 | 57,000 | 93,000 |
| Net income | 93,000 | 168,000 | 277,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,217,000 | 4,291,000 | 4,401,000 | 4,200,000 |
| Total capital | 4,621,000 | 4,721,000 | 4,847,000 | 4,642,000 |
| Risk-weighted assets | 33,452,000 | 34,517,000 | 35,652,000 | 35,324,000 |