Call reports 2025
BANK OF CLARKS — 2025
What BANK OF CLARKS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 56,445,000 | 58,095,000 | 61,422,000 | 62,332,000 |
| Total loans | 44,850,000 | 46,943,000 | 49,105,000 | 48,217,000 |
| Allowance for loan losses | 616,000 | 634,000 | 682,000 | 703,000 |
| Securities available for sale | 0 | 1,000,000 | 1,251,000 | 999,000 |
| Securities held to maturity | 7,053,000 | 5,161,000 | 4,562,000 | 4,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,685,000 | 49,760,000 | 47,278,000 | 48,204,000 |
| Interest-bearing deposits | 33,785,000 | 38,695,000 | 37,052,000 | 36,677,000 |
| Noninterest-bearing deposits | 11,900,000 | 11,065,000 | 10,226,000 | 11,527,000 |
| Equity capital | 4,876,000 | 4,917,000 | 5,728,000 | 5,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,800,000 | 2,719,000 | 3,638,000 |
| Interest expense | 286,000 | 571,000 | 915,000 | 1,239,000 |
| Net interest income | 651,000 | 1,229,000 | 1,804,000 | 2,399,000 |
| Noninterest income | 30,000 | 51,000 | 76,000 | 101,000 |
| Noninterest expense | 480,000 | 1,014,000 | 1,546,000 | 2,109,000 |
| Provision for loan losses | 0 | 15,000 | 75,000 | 135,000 |
| Pretax income | 197,000 | 248,000 | 247,000 | 247,000 |
| Income tax | 42,000 | 50,000 | 49,000 | 40,000 |
| Net income | 155,000 | 198,000 | 198,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,876,000 | 4,918,000 | 5,728,000 | 5,737,000 |
| Total capital | 5,474,000 | 5,539,000 | 6,391,000 | 6,400,000 |
| Risk-weighted assets | 47,868,000 | 49,671,000 | 53,055,000 | 53,010,000 |