Call reports 2020
CLAY COUNTY SAVINGS BANK — 2020
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 126,178,000 | 133,287,000 | 128,406,000 | 133,308,000 |
| Total loans | 77,244,000 | 81,512,000 | 77,187,000 | 77,580,000 |
| Allowance for loan losses | 1,200,000 | 1,227,000 | 1,227,000 | 1,227,000 |
| Securities available for sale | 3,925,000 | 3,924,000 | 2,672,000 | 1,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,216,000 | 120,182,000 | 115,036,000 | 120,693,000 |
| Interest-bearing deposits | 96,721,000 | 97,268,000 | 92,476,000 | 96,728,000 |
| Noninterest-bearing deposits | 16,495,000 | 22,914,000 | 22,560,000 | 23,965,000 |
| Equity capital | 11,603,000 | 11,695,000 | 11,938,000 | 12,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,056,000 | 2,152,000 | 3,143,000 | 4,215,000 |
| Interest expense | 155,000 | 234,000 | 308,000 | 373,000 |
| Net interest income | 901,000 | 1,918,000 | 2,835,000 | 3,842,000 |
| Noninterest income | 180,000 | 410,000 | 713,000 | 976,000 |
| Noninterest expense | 980,000 | 1,945,000 | 2,926,000 | 3,896,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 383,000 | 622,000 | 922,000 |
| Income tax | 20,000 | 84,000 | 80,000 | 150,000 |
| Net income | 81,000 | 299,000 | 542,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,206,000 | 11,386,000 | 11,630,000 | 11,801,000 |
| Total capital | — | 12,337,000 | — | — |
| Risk-weighted assets | — | 75,768,000 | — | — |