Call reports 2008
FIRST NATIONAL BANK OF CLARKSDALE — 2008
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 288,160,000 | 302,953,000 | 306,327,000 | 288,252,000 |
| Total loans | 158,421,000 | 182,578,000 | 202,077,000 | 182,751,000 |
| Allowance for loan losses | 1,589,000 | 1,397,000 | 1,501,000 | 1,511,000 |
| Securities available for sale | 93,587,000 | 76,412,000 | 74,068,000 | 78,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,404,000 | 229,788,000 | 216,530,000 | 216,570,000 |
| Interest-bearing deposits | 182,417,000 | 164,930,000 | 175,418,000 | 176,711,000 |
| Noninterest-bearing deposits | 47,987,000 | 64,858,000 | 41,113,000 | 39,858,000 |
| Equity capital | 24,793,000 | 24,119,000 | 24,922,000 | 24,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,114,000 | 8,356,000 | 12,830,000 | 16,805,000 |
| Interest expense | 1,714,000 | 3,240,000 | 4,782,000 | 6,063,000 |
| Net interest income | 2,400,000 | 5,116,000 | 8,048,000 | 10,742,000 |
| Noninterest income | 716,000 | 1,126,000 | 1,550,000 | 2,048,000 |
| Noninterest expense | 1,834,000 | 3,573,000 | 5,415,000 | 7,521,000 |
| Provision for loan losses | 91,000 | 199,000 | 356,000 | 540,000 |
| Pretax income | 1,160,000 | 2,439,000 | 3,796,000 | 4,697,000 |
| Income tax | 276,000 | 606,000 | 971,000 | 1,222,000 |
| Net income | 884,000 | 1,833,000 | 2,825,000 | 3,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,029,000 | 24,978,000 | 25,970,000 | 24,865,000 |
| Total capital | 25,618,000 | 26,375,000 | 27,471,000 | 26,376,000 |
| Risk-weighted assets | 203,493,000 | 219,621,000 | 229,190,000 | 205,894,000 |
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