Call reports 2020
FIRST NATIONAL BANK OF CLARKSDALE — 2020
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 369,590,000 | 374,450,000 | 362,343,000 | 392,897,000 |
| Total loans | 191,552,000 | 208,057,000 | 218,311,000 | 201,291,000 |
| Allowance for loan losses | 3,006,000 | 3,205,000 | 3,199,000 | 2,995,000 |
| Securities available for sale | 113,364,000 | 109,705,000 | 111,680,000 | 118,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,775,000 | 322,236,000 | 308,679,000 | 342,928,000 |
| Interest-bearing deposits | 239,767,000 | 239,071,000 | 229,519,000 | 239,286,000 |
| Noninterest-bearing deposits | 80,008,000 | 83,165,000 | 79,160,000 | 103,642,000 |
| Equity capital | 47,699,000 | 49,242,000 | 50,409,000 | 47,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,368,000 | 7,257,000 | 10,506,000 | 13,599,000 |
| Interest expense | 618,000 | 1,054,000 | 1,427,000 | 1,752,000 |
| Net interest income | 2,750,000 | 6,203,000 | 9,079,000 | 11,847,000 |
| Noninterest income | 717,000 | 934,000 | 1,199,000 | 1,481,000 |
| Noninterest expense | 2,077,000 | 4,310,000 | 6,392,000 | 8,722,000 |
| Provision for loan losses | 6,000 | 206,000 | 206,000 | 8,000 |
| Pretax income | 1,398,000 | 2,878,000 | 3,937,000 | 5,052,000 |
| Income tax | 440,000 | 710,000 | 805,000 | 883,000 |
| Net income | 958,000 | 2,168,000 | 3,132,000 | 4,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,880,000 | 47,089,000 | 48,054,000 | 45,662,000 |