Call reports 2006
FIRST NATIONAL BANK OF CLARKSDALE — 2006
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 232,800,000 | 246,988,000 | 285,184,000 | 249,939,000 |
| Total loans | 138,844,000 | 152,555,000 | 155,024,000 | 142,149,000 |
| Allowance for loan losses | 1,514,000 | 1,531,000 | 1,538,000 | 1,527,000 |
| Securities available for sale | 70,695,000 | 70,348,000 | 74,469,000 | 79,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,121,000 | 197,453,000 | 233,024,000 | 224,453,000 |
| Interest-bearing deposits | 158,286,000 | 161,255,000 | 193,190,000 | 185,350,000 |
| Noninterest-bearing deposits | 41,834,000 | 36,199,000 | 39,834,000 | 39,103,000 |
| Equity capital | 20,182,000 | 20,145,000 | 21,717,000 | 21,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,240,000 | 6,861,000 | 10,974,000 | 15,097,000 |
| Interest expense | 1,420,000 | 3,249,000 | 5,442,000 | 7,553,000 |
| Net interest income | 1,820,000 | 3,612,000 | 5,532,000 | 7,544,000 |
| Noninterest income | 703,000 | 1,159,000 | 1,606,000 | 2,041,000 |
| Noninterest expense | 1,464,000 | 3,049,000 | 4,584,000 | 6,137,000 |
| Provision for loan losses | 102,000 | 136,000 | 211,000 | 221,000 |
| Pretax income | 1,016,000 | 1,626,000 | 2,388,000 | 3,473,000 |
| Income tax | 233,000 | 330,000 | 475,000 | 468,000 |
| Net income | 783,000 | 1,296,000 | 1,913,000 | 3,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,242,000 | 21,754,000 | 22,371,000 | 22,016,000 |
| Total capital | 22,756,000 | 23,285,000 | 23,909,000 | 23,543,000 |
| Risk-weighted assets | 162,997,000 | 177,856,000 | 186,543,000 | 172,071,000 |
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