Call reports 2014
FIRST NATIONAL BANK OF CLARKSDALE — 2014
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 387,310,000 | 364,813,000 | 365,691,000 | 350,987,000 |
| Total loans | 201,922,000 | 206,956,000 | 214,962,000 | 205,195,000 |
| Allowance for loan losses | 2,700,000 | 2,756,000 | 2,745,000 | 2,304,000 |
| Securities available for sale | 135,071,000 | 129,795,000 | 116,502,000 | 120,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,153,000 | 298,075,000 | 287,513,000 | 286,463,000 |
| Interest-bearing deposits | 244,397,000 | 227,035,000 | 218,696,000 | 215,185,000 |
| Noninterest-bearing deposits | 83,756,000 | 71,041,000 | 68,817,000 | 71,278,000 |
| Equity capital | 37,099,000 | 38,502,000 | 39,519,000 | 38,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,476,000 | 6,910,000 | 10,387,000 | 13,831,000 |
| Interest expense | 507,000 | 1,012,000 | 1,493,000 | 1,957,000 |
| Net interest income | 2,969,000 | 5,898,000 | 8,894,000 | 11,874,000 |
| Noninterest income | 659,000 | 1,072,000 | 1,468,000 | 1,902,000 |
| Noninterest expense | 2,138,000 | 4,372,000 | 6,644,000 | 8,486,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 1,100,000 |
| Pretax income | 1,387,000 | 2,464,000 | 3,830,000 | 4,505,000 |
| Income tax | 316,000 | 635,000 | 1,023,000 | 931,000 |
| Net income | 1,071,000 | 1,829,000 | 2,807,000 | 3,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,618,000 | 38,378,000 | 39,355,000 | 38,368,000 |
| Total capital | 40,318,000 | 41,134,000 | 42,100,000 | 40,672,000 |
| Risk-weighted assets | 255,111,000 | 252,032,000 | 254,840,000 | 240,088,000 |
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