Call reports 2020
BANK OF CLARKS — 2020
What BANK OF CLARKS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 40,381,000 | 41,614,000 | 39,067,000 | 40,255,000 |
| Total loans | 32,264,000 | 31,749,000 | 32,394,000 | 31,179,000 |
| Allowance for loan losses | 472,000 | 494,000 | 507,000 | 537,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,280,000 | 1,280,000 | 1,280,000 | 1,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,065,000 | 36,272,000 | 33,633,000 | 34,803,000 |
| Interest-bearing deposits | 23,708,000 | 24,783,000 | 25,255,000 | 26,031,000 |
| Noninterest-bearing deposits | 11,357,000 | 11,489,000 | 8,378,000 | 8,771,000 |
| Equity capital | 4,297,000 | 4,364,000 | 4,441,000 | 4,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 974,000 | 1,451,000 | 1,895,000 |
| Interest expense | 78,000 | 148,000 | 213,000 | 275,000 |
| Net interest income | 427,000 | 826,000 | 1,238,000 | 1,620,000 |
| Noninterest income | 32,000 | 55,000 | 80,000 | 103,000 |
| Noninterest expense | 331,000 | 647,000 | 965,000 | 1,259,000 |
| Provision for loan losses | 15,000 | 37,000 | 60,000 | 83,000 |
| Pretax income | 113,000 | 196,000 | 293,000 | 381,000 |
| Income tax | 16,000 | 32,000 | 53,000 | 73,000 |
| Net income | 97,000 | 164,000 | 240,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,297,000 | 4,364,000 | 4,441,000 | 4,308,000 |
| Total capital | 4,745,000 | 4,812,000 | 4,885,000 | 4,741,000 |
| Risk-weighted assets | 35,835,000 | 35,785,000 | 35,423,000 | 34,555,000 |