Call reports 2023
FIRST NATIONAL BANK OF CLARKSDALE — 2023
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 390,453,000 | 382,098,000 | 389,307,000 | 387,256,000 |
| Total loans | 206,035,000 | 226,382,000 | 242,214,000 | 237,650,000 |
| Allowance for loan losses | 2,859,000 | 2,882,000 | 2,880,000 | 2,878,000 |
| Securities available for sale | 124,040,000 | 118,024,000 | 109,476,000 | 113,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,068,000 | 332,805,000 | 327,002,000 | 338,659,000 |
| Interest-bearing deposits | 249,803,000 | 233,959,000 | 237,657,000 | 246,367,000 |
| Noninterest-bearing deposits | 102,265,000 | 98,846,000 | 89,345,000 | 92,292,000 |
| Equity capital | 35,473,000 | 35,056,000 | 33,132,000 | 35,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,819,000 | 7,972,000 | 12,578,000 | 17,294,000 |
| Interest expense | 987,000 | 2,314,000 | 3,933,000 | 5,825,000 |
| Net interest income | 2,832,000 | 5,658,000 | 8,645,000 | 11,469,000 |
| Noninterest income | 538,000 | 848,000 | 1,128,000 | 2,177,000 |
| Noninterest expense | 2,260,000 | 4,366,000 | 6,457,000 | 8,997,000 |
| Provision for loan losses | 5,000 | 2,000 | 2,000 | 14,000 |
| Pretax income | 1,105,000 | 2,138,000 | 3,314,000 | 4,635,000 |
| Income tax | 235,000 | 400,000 | 615,000 | 1,053,000 |
| Net income | 870,000 | 1,738,000 | 2,699,000 | 3,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,507,000 | 48,375,000 | 49,336,000 | 47,167,000 |