Call reports 2010
FIRST NATIONAL BANK OF CLARKSDALE — 2010
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 323,879,000 | 316,464,000 | 322,755,000 | 310,544,000 |
| Total loans | 194,131,000 | 208,012,000 | 213,100,000 | 197,995,000 |
| Allowance for loan losses | 2,701,000 | 2,636,000 | 2,762,000 | 2,819,000 |
| Securities available for sale | 86,499,000 | 80,954,000 | 75,282,000 | 84,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,917,000 | 249,856,000 | 244,616,000 | 250,052,000 |
| Interest-bearing deposits | 219,756,000 | 209,713,000 | 201,553,000 | 207,344,000 |
| Noninterest-bearing deposits | 45,161,000 | 40,143,000 | 43,063,000 | 42,708,000 |
| Equity capital | 29,357,000 | 30,205,000 | 31,677,000 | 29,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,662,000 | 7,425,000 | 11,355,000 | 14,954,000 |
| Interest expense | 755,000 | 1,515,000 | 2,326,000 | 3,119,000 |
| Net interest income | 2,907,000 | 5,910,000 | 9,029,000 | 11,835,000 |
| Noninterest income | 685,000 | 1,122,000 | 1,561,000 | 2,006,000 |
| Noninterest expense | 2,048,000 | 4,202,000 | 6,402,000 | 8,450,000 |
| Provision for loan losses | 159,000 | 320,000 | 481,000 | 678,000 |
| Pretax income | 1,418,000 | 2,659,000 | 3,922,000 | 4,928,000 |
| Income tax | 342,000 | 692,000 | 1,317,000 | 1,465,000 |
| Net income | 1,076,000 | 1,967,000 | 2,605,000 | 3,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,160,000 | 29,050,000 | 29,688,000 | 28,791,000 |
| Total capital | 30,861,000 | 31,686,000 | 32,450,000 | 31,610,000 |
| Risk-weighted assets | 238,093,000 | 244,570,000 | 242,921,000 | 234,215,000 |
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