Call reports 2018
CLAY COUNTY SAVINGS BANK — 2018
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 98,629,000 | 97,839,000 | 111,414,000 | 103,514,000 |
| Total loans | 70,603,000 | 76,388,000 | 76,645,000 | 75,960,000 |
| Allowance for loan losses | 1,500,000 | 1,470,000 | 1,380,000 | 1,290,000 |
| Securities available for sale | 3,684,000 | 3,671,000 | 5,236,000 | 6,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,041,000 | 83,128,000 | 96,525,000 | 89,194,000 |
| Interest-bearing deposits | 72,913,000 | 71,872,000 | 84,300,000 | 77,909,000 |
| Noninterest-bearing deposits | 11,128,000 | 11,256,000 | 12,225,000 | 11,285,000 |
| Equity capital | 10,733,000 | 10,823,000 | 10,966,000 | 11,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,827,000 | 2,863,000 | 3,949,000 |
| Interest expense | 85,000 | 174,000 | 319,000 | 471,000 |
| Net interest income | 794,000 | 1,653,000 | 2,544,000 | 3,478,000 |
| Noninterest income | 153,000 | 317,000 | 466,000 | 632,000 |
| Noninterest expense | 892,000 | 1,794,000 | 2,706,000 | 3,604,000 |
| Provision for loan losses | -30,000 | -60,000 | -150,000 | -240,000 |
| Pretax income | 85,000 | 236,000 | 454,000 | 746,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 236,000 | 454,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,703,000 | 10,803,000 | 10,971,000 | 11,086,000 |
| Total capital | 11,513,000 | 11,678,000 | 11,857,000 | 11,984,000 |
| Risk-weighted assets | 64,138,000 | 69,383,000 | 70,355,000 | 71,411,000 |