Call reports 2016
FIRST NATIONAL BANK OF CLARKSDALE — 2016
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 361,630,000 | 373,521,000 | 366,696,000 | 348,843,000 |
| Total loans | 205,887,000 | 228,729,000 | 241,380,000 | 215,373,000 |
| Allowance for loan losses | 3,082,000 | 3,801,000 | 3,815,000 | 3,782,000 |
| Securities available for sale | 92,678,000 | 108,013,000 | 95,585,000 | 98,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,653,000 | 295,185,000 | 276,851,000 | 286,266,000 |
| Interest-bearing deposits | 212,906,000 | 212,448,000 | 204,405,000 | 206,614,000 |
| Noninterest-bearing deposits | 84,747,000 | 82,737,000 | 72,446,000 | 79,652,000 |
| Equity capital | 42,038,000 | 43,298,000 | 43,659,000 | 40,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,337,000 | 6,792,000 | 10,393,000 | 13,802,000 |
| Interest expense | 405,000 | 820,000 | 1,257,000 | 1,670,000 |
| Net interest income | 2,932,000 | 5,972,000 | 9,136,000 | 12,132,000 |
| Noninterest income | 971,000 | 2,010,000 | 2,375,000 | 2,755,000 |
| Noninterest expense | 2,119,000 | 4,403,000 | 6,538,000 | 8,809,000 |
| Provision for loan losses | 30,000 | 430,000 | 430,000 | 410,000 |
| Pretax income | 1,787,000 | 3,214,000 | 4,696,000 | 5,822,000 |
| Income tax | 315,000 | 765,000 | 1,185,000 | 1,315,000 |
| Net income | 1,472,000 | 2,449,000 | 3,511,000 | 4,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,279,000 | 42,257,000 | 43,318,000 | 42,061,000 |
| Total capital | 44,361,000 | 45,744,000 | 46,840,000 | 45,338,000 |
| Risk-weighted assets | 255,603,000 | 278,692,000 | 281,465,000 | 261,641,000 |