Call reports 2010
FIRST NATIONAL BANK OF CLINTON — 2010
What FIRST NATIONAL BANK OF CLINTON reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 74,051,000 | 71,685,000 | 71,942,000 | 69,987,000 |
| Total loans | 46,857,000 | 44,856,000 | 44,383,000 | 42,964,000 |
| Allowance for loan losses | 700,000 | 768,000 | 843,000 | 703,000 |
| Securities available for sale | 13,796,000 | 13,021,000 | 12,858,000 | 13,404,000 |
| Securities held to maturity | 261,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,394,000 | 55,328,000 | 55,108,000 | 54,779,000 |
| Interest-bearing deposits | 52,107,000 | 50,523,000 | 50,089,000 | 49,866,000 |
| Noninterest-bearing deposits | 5,287,000 | 4,805,000 | 5,019,000 | 4,913,000 |
| Equity capital | 8,895,000 | 9,065,000 | 9,508,000 | 8,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,779,000 | 2,637,000 | 3,482,000 |
| Interest expense | 224,000 | 416,000 | 584,000 | 736,000 |
| Net interest income | 684,000 | 1,363,000 | 2,053,000 | 2,746,000 |
| Noninterest income | 139,000 | 249,000 | 325,000 | 581,000 |
| Noninterest expense | 676,000 | 1,137,000 | 1,694,000 | 2,386,000 |
| Provision for loan losses | 100,000 | 163,000 | 238,000 | 560,000 |
| Pretax income | 145,000 | 456,000 | 667,000 | 636,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 456,000 | 667,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,613,000 | 8,848,000 | 9,059,000 | 9,028,000 |
| Total capital | 9,242,000 | 9,437,000 | 9,629,000 | 9,593,000 |
| Risk-weighted assets | 50,366,000 | 46,910,000 | 45,315,000 | 45,182,000 |