Call reports 2012
CLAY COUNTY SAVINGS BANK — 2012
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,394,000 | 104,006,000 | 102,987,000 | 99,144,000 |
| Total loans | 75,339,000 | 72,472,000 | 72,876,000 | 69,448,000 |
| Allowance for loan losses | 860,000 | 886,000 | 1,600,000 | 1,633,000 |
| Securities available for sale | 4,163,000 | 4,646,000 | 4,627,000 | 4,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,734,000 | 88,393,000 | 87,944,000 | 86,155,000 |
| Interest-bearing deposits | 79,439,000 | 79,714,000 | 78,990,000 | 78,312,000 |
| Noninterest-bearing deposits | 7,295,000 | 8,679,000 | 8,954,000 | 7,843,000 |
| Equity capital | 10,016,000 | 9,963,000 | 9,380,000 | 9,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 963,000 | 1,935,000 | 2,912,000 | 3,851,000 |
| Interest expense | 207,000 | 408,000 | 592,000 | 756,000 |
| Net interest income | 756,000 | 1,527,000 | 2,320,000 | 3,095,000 |
| Noninterest income | 230,000 | 453,000 | 718,000 | 967,000 |
| Noninterest expense | 938,000 | 1,976,000 | 2,909,000 | 3,850,000 |
| Provision for loan losses | 36,000 | 80,000 | 832,000 | 863,000 |
| Pretax income | 12,000 | -76,000 | -703,000 | -651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,000 | -76,000 | -703,000 | -651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,542,000 | 9,476,000 | 8,872,000 | 8,977,000 |
| Total capital | 10,397,000 | 10,279,000 | 9,699,000 | 9,781,000 |
| Risk-weighted assets | 68,405,000 | 64,136,000 | 65,386,000 | 63,496,000 |