Call reports 2013
CLAY COUNTY SAVINGS BANK — 2013
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 98,020,000 | 96,850,000 | 92,379,000 | 90,229,000 |
| Total loans | 69,152,000 | 66,712,000 | 67,930,000 | 65,411,000 |
| Allowance for loan losses | 1,584,000 | 1,609,000 | 1,600,000 | 1,601,000 |
| Securities available for sale | 4,298,000 | 5,371,000 | 6,105,000 | 6,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,036,000 | 83,877,000 | 79,157,000 | 76,981,000 |
| Interest-bearing deposits | 77,347,000 | 75,384,000 | 70,065,000 | 69,288,000 |
| Noninterest-bearing deposits | 7,689,000 | 8,493,000 | 9,092,000 | 7,693,000 |
| Equity capital | 9,417,000 | 9,349,000 | 9,568,000 | 9,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,788,000 | 2,931,000 | 3,783,000 |
| Interest expense | 137,000 | 265,000 | 385,000 | 492,000 |
| Net interest income | 763,000 | 1,523,000 | 2,546,000 | 3,291,000 |
| Noninterest income | 180,000 | 377,000 | 564,000 | 895,000 |
| Noninterest expense | 958,000 | 1,899,000 | 2,843,000 | 3,733,000 |
| Provision for loan losses | 45,000 | 75,000 | 123,000 | 123,000 |
| Pretax income | -43,000 | -50,000 | 171,000 | 357,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -43,000 | -50,000 | 171,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,894,000 | 8,863,000 | 9,095,000 | 9,284,000 |
| Total capital | 9,686,000 | 9,618,000 | 9,853,000 | 10,010,000 |
| Risk-weighted assets | 62,605,000 | 59,537,000 | 59,802,000 | 57,222,000 |
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