Call reports 2007
FIRST NATIONAL BANK OF CLARKSDALE — 2007
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 273,370,000 | 280,077,000 | 282,204,000 | 257,987,000 |
| Total loans | 157,454,000 | 164,720,000 | 163,871,000 | 152,898,000 |
| Allowance for loan losses | 1,598,000 | 1,652,000 | 1,662,000 | 1,509,000 |
| Securities available for sale | 86,749,000 | 83,481,000 | 88,693,000 | 78,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,672,000 | 232,053,000 | 225,443,000 | 219,420,000 |
| Interest-bearing deposits | 196,070,000 | 188,300,000 | 184,874,000 | 180,241,000 |
| Noninterest-bearing deposits | 41,603,000 | 43,753,000 | 40,569,000 | 39,179,000 |
| Equity capital | 22,266,000 | 22,158,000 | 23,606,000 | 23,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,124,000 | 8,555,000 | 13,157,000 | 17,374,000 |
| Interest expense | 2,065,000 | 4,355,000 | 6,746,000 | 8,722,000 |
| Net interest income | 2,059,000 | 4,200,000 | 6,411,000 | 8,652,000 |
| Noninterest income | 693,000 | 1,127,000 | 1,555,000 | 1,986,000 |
| Noninterest expense | 1,641,000 | 3,309,000 | 5,006,000 | 6,754,000 |
| Provision for loan losses | 78,000 | 157,000 | 220,000 | 252,000 |
| Pretax income | 1,042,000 | 1,865,000 | 2,746,000 | 3,637,000 |
| Income tax | 226,000 | 430,000 | 676,000 | 960,000 |
| Net income | 816,000 | 1,435,000 | 2,070,000 | 2,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,833,000 | 23,451,000 | 24,085,000 | 23,145,000 |
| Total capital | 24,431,000 | 25,103,000 | 25,748,000 | 24,654,000 |
| Risk-weighted assets | 195,815,000 | 198,964,000 | 198,879,000 | 184,231,000 |
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