Call reports 2015
CLAY COUNTY SAVINGS BANK — 2015
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,228,000 | 89,420,000 | 88,385,000 | 92,208,000 |
| Total loans | 60,469,000 | 62,232,000 | 61,280,000 | 62,581,000 |
| Allowance for loan losses | 1,549,000 | 1,531,000 | 1,495,000 | 1,533,000 |
| Securities available for sale | 5,749,000 | 7,424,000 | 7,252,000 | 6,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,402,000 | 76,579,000 | 75,434,000 | 77,916,000 |
| Interest-bearing deposits | 67,944,000 | 66,535,000 | 64,244,000 | 64,693,000 |
| Noninterest-bearing deposits | 9,458,000 | 10,044,000 | 11,190,000 | 13,223,000 |
| Equity capital | 10,150,000 | 10,131,000 | 10,234,000 | 10,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,473,000 | 2,218,000 | 2,960,000 |
| Interest expense | 74,000 | 146,000 | 210,000 | 275,000 |
| Net interest income | 645,000 | 1,327,000 | 2,008,000 | 2,685,000 |
| Noninterest income | 158,000 | 326,000 | 519,000 | 690,000 |
| Noninterest expense | 864,000 | 1,704,000 | 2,551,000 | 3,390,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 92,000 | 119,000 | 128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 92,000 | 119,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,121,000 | 10,143,000 | 10,194,000 | 10,194,000 |
| Total capital | 10,794,000 | 10,835,000 | 10,895,000 | 10,898,000 |
| Risk-weighted assets | 52,977,000 | 54,551,000 | 55,300,000 | 55,467,000 |