Call reports 2023
BANK OF CLARKS — 2023
What BANK OF CLARKS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 47,434,000 | 46,830,000 | 45,028,000 | 44,920,000 |
| Total loans | 22,616,000 | 23,388,000 | 24,146,000 | 29,263,000 |
| Allowance for loan losses | 570,000 | 617,000 | 587,000 | 619,000 |
| Securities available for sale | 0 | 0 | 0 | 749,000 |
| Securities held to maturity | 13,178,000 | 12,085,000 | 12,092,000 | 9,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,222,000 | 41,600,000 | 40,158,000 | 40,037,000 |
| Interest-bearing deposits | 29,801,000 | 29,595,000 | 28,959,000 | 27,859,000 |
| Noninterest-bearing deposits | 12,422,000 | 12,005,000 | 11,199,000 | 12,178,000 |
| Equity capital | 4,620,000 | 4,598,000 | 4,613,000 | 4,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,034,000 | 1,594,000 | 2,173,000 |
| Interest expense | 111,000 | 279,000 | 454,000 | 640,000 |
| Net interest income | 394,000 | 755,000 | 1,140,000 | 1,533,000 |
| Noninterest income | 32,000 | 55,000 | 77,000 | 99,000 |
| Noninterest expense | 285,000 | 668,000 | 1,081,000 | 1,511,000 |
| Provision for loan losses | 15,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 109,000 | 87,000 | 95,000 | 83,000 |
| Income tax | 21,000 | 21,000 | 14,000 | 13,000 |
| Net income | 88,000 | 66,000 | 81,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,620,000 | 4,599,000 | 4,613,000 | 4,603,000 |
| Total capital | 4,963,000 | — | 4,996,000 | 5,032,000 |
| Risk-weighted assets | 27,218,000 | — | 30,446,000 | 34,203,000 |