Call reports 2009
FIRST NATIONAL BANK OF CLARKSDALE — 2009
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 290,069,000 | 302,022,000 | 311,519,000 | 312,203,000 |
| Total loans | 186,283,000 | 199,432,000 | 212,508,000 | 198,994,000 |
| Allowance for loan losses | 1,584,000 | 1,785,000 | 2,041,000 | 2,374,000 |
| Securities available for sale | 74,674,000 | 73,868,000 | 69,878,000 | 77,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,706,000 | 236,593,000 | 219,165,000 | 254,992,000 |
| Interest-bearing deposits | 180,279,000 | 195,097,000 | 183,427,000 | 214,284,000 |
| Noninterest-bearing deposits | 46,427,000 | 41,496,000 | 35,738,000 | 40,708,000 |
| Equity capital | 25,745,000 | 26,525,000 | 28,334,000 | 27,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,614,000 | 7,345,000 | 11,305,000 | 15,188,000 |
| Interest expense | 1,092,000 | 2,063,000 | 2,951,000 | 3,751,000 |
| Net interest income | 2,522,000 | 5,282,000 | 8,354,000 | 11,437,000 |
| Noninterest income | 666,000 | 1,101,000 | 1,550,000 | 2,020,000 |
| Noninterest expense | 1,910,000 | 3,857,000 | 5,903,000 | 8,031,000 |
| Provision for loan losses | 206,000 | 388,000 | 623,000 | 932,000 |
| Pretax income | 1,114,000 | 2,190,000 | 3,492,000 | 4,622,000 |
| Income tax | 285,000 | 483,000 | 869,000 | 1,146,000 |
| Net income | 829,000 | 1,707,000 | 2,623,000 | 3,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,694,000 | 26,571,000 | 27,488,000 | 27,084,000 |
| Total capital | 27,278,000 | 28,356,000 | 29,529,000 | 29,458,000 |
| Risk-weighted assets | 222,387,000 | 229,341,000 | 236,400,000 | 235,587,000 |
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