Call reports 2012
FIRST NATIONAL BANK OF CLINTON — 2012
What FIRST NATIONAL BANK OF CLINTON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,909,000 | 68,517,000 | 68,975,000 | 70,571,000 |
| Total loans | 35,762,000 | 34,533,000 | 33,203,000 | 32,286,000 |
| Allowance for loan losses | 615,000 | 530,000 | 488,000 | 513,000 |
| Securities available for sale | 17,472,000 | 19,617,000 | 21,530,000 | 21,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,729,000 | 55,290,000 | 55,538,000 | 57,385,000 |
| Interest-bearing deposits | 47,501,000 | 47,615,000 | 47,943,000 | 49,111,000 |
| Noninterest-bearing deposits | 7,228,000 | 7,675,000 | 7,595,000 | 8,274,000 |
| Equity capital | 10,327,000 | 10,335,000 | 10,618,000 | 10,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,367,000 | 2,032,000 | 2,670,000 |
| Interest expense | 73,000 | 131,000 | 184,000 | 240,000 |
| Net interest income | 622,000 | 1,236,000 | 1,848,000 | 2,430,000 |
| Noninterest income | 89,000 | 179,000 | 694,000 | 776,000 |
| Noninterest expense | 560,000 | 1,045,000 | 1,656,000 | 2,243,000 |
| Provision for loan losses | 15,000 | 70,000 | 198,000 | 218,000 |
| Pretax income | 152,000 | 405,000 | 793,000 | 850,000 |
| Income tax | 20,000 | 59,000 | 139,000 | 139,000 |
| Net income | 132,000 | 346,000 | 654,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,921,000 | 9,791,000 | 10,032,000 | 9,867,000 |
| Total capital | 10,403,000 | 10,259,000 | 10,455,000 | 10,318,000 |
| Risk-weighted assets | 38,438,000 | 37,354,000 | 36,202,000 | 35,848,000 |