Call reports 2025
FIRST NATIONAL BANK OF CLARKSDALE — 2025
What FIRST NATIONAL BANK OF CLARKSDALE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 399,582,000 | 381,935,000 | 381,942,000 | 393,355,000 |
| Total loans | 211,905,000 | 226,642,000 | 240,281,000 | 248,892,000 |
| Allowance for loan losses | 2,597,000 | 2,571,000 | 2,584,000 | 2,571,000 |
| Securities available for sale | 105,809,000 | 107,336,000 | 108,521,000 | 103,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,970,000 | 339,805,000 | 329,844,000 | 351,039,000 |
| Interest-bearing deposits | 262,041,000 | 250,950,000 | 248,661,000 | 262,373,000 |
| Noninterest-bearing deposits | 96,929,000 | 88,855,000 | 81,183,000 | 88,666,000 |
| Equity capital | 37,364,000 | 38,429,000 | 41,395,000 | 39,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,760,000 | 9,590,000 | 14,456,000 | 19,219,000 |
| Interest expense | 1,917,000 | 3,756,000 | 5,617,000 | 7,359,000 |
| Net interest income | 2,843,000 | 5,834,000 | 8,839,000 | 11,860,000 |
| Noninterest income | 530,000 | 913,000 | 1,156,000 | 1,495,000 |
| Noninterest expense | 2,272,000 | 4,586,000 | 7,095,000 | 9,003,000 |
| Provision for loan losses | 6,000 | 11,000 | 11,000 | 21,000 |
| Pretax income | 1,095,000 | 2,150,000 | 2,893,000 | 4,337,000 |
| Income tax | 185,000 | 405,000 | 320,000 | 935,000 |
| Net income | 910,000 | 1,745,000 | 2,573,000 | 3,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,580,000 | 49,414,000 | 50,243,000 | 47,786,000 |
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