Call reports 2015
FIRST NATIONAL BANK OF CLARKSDALE — 2015
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 368,350,000 | 380,604,000 | 371,722,000 | 342,720,000 |
| Total loans | 206,690,000 | 221,058,000 | 223,329,000 | 218,153,000 |
| Allowance for loan losses | 2,511,000 | 2,753,000 | 2,919,000 | 2,939,000 |
| Securities available for sale | 128,600,000 | 119,701,000 | 101,184,000 | 95,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,409,000 | 280,760,000 | 270,158,000 | 272,106,000 |
| Interest-bearing deposits | 224,030,000 | 212,608,000 | 201,052,000 | 202,367,000 |
| Noninterest-bearing deposits | 82,379,000 | 68,152,000 | 69,106,000 | 69,739,000 |
| Equity capital | 40,323,000 | 40,279,000 | 41,753,000 | 40,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,274,000 | 6,784,000 | 10,382,000 | 13,809,000 |
| Interest expense | 437,000 | 875,000 | 1,313,000 | 1,730,000 |
| Net interest income | 2,837,000 | 5,909,000 | 9,069,000 | 12,079,000 |
| Noninterest income | 687,000 | 1,140,000 | 1,546,000 | 1,965,000 |
| Noninterest expense | 2,432,000 | 4,440,000 | 6,737,000 | 8,859,000 |
| Provision for loan losses | 124,000 | 300,000 | 457,000 | 457,000 |
| Pretax income | 969,000 | 2,310,000 | 3,644,000 | 4,957,000 |
| Income tax | 186,000 | 506,000 | 811,000 | 1,262,000 |
| Net income | 783,000 | 1,804,000 | 2,833,000 | 3,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,150,000 | 40,172,000 | 41,201,000 | 39,808,000 |
| Total capital | 41,661,000 | 42,925,000 | 44,120,000 | 42,747,000 |
| Risk-weighted assets | 263,709,000 | 272,323,000 | 268,724,000 | 261,102,000 |