Call reports 2013
FIRST NATIONAL BANK OF CLARKSDALE — 2013
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 375,889,000 | 345,763,000 | 357,887,000 | 361,788,000 |
| Total loans | 198,797,000 | 201,679,000 | 212,763,000 | 204,990,000 |
| Allowance for loan losses | 3,094,000 | 3,062,000 | 3,065,000 | 2,556,000 |
| Securities available for sale | 108,327,000 | 110,911,000 | 105,942,000 | 110,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,267,000 | 287,932,000 | 298,989,000 | 305,044,000 |
| Interest-bearing deposits | 236,390,000 | 227,335,000 | 232,817,000 | 241,926,000 |
| Noninterest-bearing deposits | 80,877,000 | 60,597,000 | 66,171,000 | 63,118,000 |
| Equity capital | 36,653,000 | 35,274,000 | 35,975,000 | 35,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,332,000 | 6,798,000 | 10,497,000 | 13,941,000 |
| Interest expense | 544,000 | 1,086,000 | 1,630,000 | 2,144,000 |
| Net interest income | 2,788,000 | 5,712,000 | 8,867,000 | 11,797,000 |
| Noninterest income | 695,000 | 1,418,000 | 1,510,000 | 2,149,000 |
| Noninterest expense | 2,084,000 | 4,425,000 | 6,285,000 | 7,983,000 |
| Provision for loan losses | 55,000 | 55,000 | 69,000 | 789,000 |
| Pretax income | 1,348,000 | 2,654,000 | 4,112,000 | 5,272,000 |
| Income tax | 220,000 | 665,000 | 860,000 | 765,000 |
| Net income | 1,128,000 | 1,989,000 | 3,252,000 | 4,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,923,000 | 35,785,000 | 37,047,000 | 36,548,000 |
| Total capital | 37,951,000 | 38,803,000 | 40,024,000 | 39,104,000 |
| Risk-weighted assets | 242,146,000 | 241,432,000 | 252,160,000 | 244,773,000 |