Call reports 2012
FIRST NATIONAL BANK OF CLARKSDALE — 2012
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 352,755,000 | 342,141,000 | 348,141,000 | 327,360,000 |
| Total loans | 192,960,000 | 212,462,000 | 209,689,000 | 198,849,000 |
| Allowance for loan losses | 2,990,000 | 3,043,000 | 3,040,000 | 3,044,000 |
| Securities available for sale | 106,559,000 | 102,747,000 | 104,898,000 | 100,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,368,000 | 281,513,000 | 264,918,000 | 269,838,000 |
| Interest-bearing deposits | 216,158,000 | 215,868,000 | 207,822,000 | 210,320,000 |
| Noninterest-bearing deposits | 80,211,000 | 65,645,000 | 57,096,000 | 59,518,000 |
| Equity capital | 34,263,000 | 35,611,000 | 36,834,000 | 35,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,428,000 | 7,085,000 | 10,899,000 | 14,347,000 |
| Interest expense | 662,000 | 1,283,000 | 1,895,000 | 2,477,000 |
| Net interest income | 2,766,000 | 5,802,000 | 9,004,000 | 11,870,000 |
| Noninterest income | 732,000 | 1,162,000 | 1,577,000 | 2,027,000 |
| Noninterest expense | 2,000,000 | 4,213,000 | 6,512,000 | 8,782,000 |
| Provision for loan losses | 75,000 | 125,000 | 125,000 | 140,000 |
| Pretax income | 1,423,000 | 2,901,000 | 4,219,000 | 5,919,000 |
| Income tax | 329,000 | 694,000 | 1,069,000 | 1,441,000 |
| Net income | 1,094,000 | 2,207,000 | 3,150,000 | 4,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,167,000 | 33,279,000 | 34,222,000 | 33,796,000 |
| Total capital | 35,100,000 | 36,322,000 | 37,262,000 | 36,698,000 |
| Risk-weighted assets | 234,761,000 | 249,396,000 | 242,444,000 | 231,905,000 |