Call reports 2018
FIRST NATIONAL BANK OF CLARKSDALE — 2018
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 394,339,000 | 378,949,000 | 363,691,000 | 362,904,000 |
| Total loans | 221,770,000 | 226,404,000 | 232,073,000 | 226,404,000 |
| Allowance for loan losses | 3,699,000 | 3,612,000 | 3,411,000 | 3,608,000 |
| Securities available for sale | 93,250,000 | 102,354,000 | 100,194,000 | 102,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,513,000 | 332,150,000 | 315,123,000 | 316,113,000 |
| Interest-bearing deposits | 228,577,000 | 223,909,000 | 218,508,000 | 221,884,000 |
| Noninterest-bearing deposits | 119,935,000 | 108,241,000 | 96,615,000 | 94,229,000 |
| Equity capital | 43,324,000 | 44,335,000 | 44,912,000 | 44,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,407,000 | 7,089,000 | 10,794,000 | 14,574,000 |
| Interest expense | 536,000 | 1,118,000 | 1,738,000 | 2,387,000 |
| Net interest income | 2,871,000 | 5,971,000 | 9,056,000 | 12,187,000 |
| Noninterest income | 668,000 | 1,006,000 | 1,311,000 | 1,613,000 |
| Noninterest expense | 2,126,000 | 4,165,000 | 6,280,000 | 8,550,000 |
| Provision for loan losses | 17,000 | 47,000 | 47,000 | 47,000 |
| Pretax income | 1,396,000 | 2,765,000 | 4,058,000 | 5,221,000 |
| Income tax | 246,000 | 483,000 | 753,000 | 1,046,000 |
| Net income | 1,150,000 | 2,282,000 | 3,305,000 | 4,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,813,000 | 45,944,000 | 46,968,000 | 46,083,000 |
| Total capital | 48,391,000 | 49,514,000 | 50,379,000 | 49,502,000 |
| Risk-weighted assets | 286,118,000 | 285,612,000 | 282,030,000 | 273,338,000 |