Call reports 2019
FIRST NATIONAL BANK OF CLARKSDALE — 2019
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 372,082,000 | 371,734,000 | 353,106,000 | 345,442,000 |
| Total loans | 210,325,000 | 215,788,000 | 219,787,000 | 202,480,000 |
| Allowance for loan losses | 3,540,000 | 3,541,000 | 3,545,000 | 3,006,000 |
| Securities available for sale | 97,338,000 | 100,650,000 | 100,952,000 | 100,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,138,000 | 319,585,000 | 296,161,000 | 297,551,000 |
| Interest-bearing deposits | 241,143,000 | 225,703,000 | 219,394,000 | 212,922,000 |
| Noninterest-bearing deposits | 80,995,000 | 93,881,000 | 76,767,000 | 84,629,000 |
| Equity capital | 47,267,000 | 49,266,000 | 50,803,000 | 45,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,656,000 | 7,268,000 | 10,944,000 | 14,477,000 |
| Interest expense | 718,000 | 1,480,000 | 2,204,000 | 2,872,000 |
| Net interest income | 2,938,000 | 5,788,000 | 8,740,000 | 11,605,000 |
| Noninterest income | 620,000 | 1,222,000 | 1,541,000 | 1,876,000 |
| Noninterest expense | 2,120,000 | 4,360,000 | 6,359,000 | 11,829,000 |
| Provision for loan losses | 18,000 | 37,000 | 47,000 | 51,000 |
| Pretax income | 1,430,000 | 2,628,000 | 3,893,000 | 1,619,000 |
| Income tax | 150,000 | 290,000 | 290,000 | 237,000 |
| Net income | 1,280,000 | 2,338,000 | 3,603,000 | 1,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,362,000 | 48,421,000 | 49,686,000 | 44,922,000 |
| Total capital | 50,784,000 | 51,870,000 | 53,231,000 | 47,928,000 |
| Risk-weighted assets | 273,626,000 | 275,854,000 | 366,373,000 | 252,216,000 |