Call reports 2021
CLAY COUNTY SAVINGS BANK — 2021
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 150,749,000 | 149,347,000 | 151,374,000 | 139,654,000 |
| Total loans | 83,802,000 | 84,226,000 | 89,111,000 | 88,444,000 |
| Allowance for loan losses | 1,227,000 | 1,227,000 | 1,227,000 | 1,227,000 |
| Securities available for sale | 880,000 | 884,000 | 7,615,000 | 20,173,000 |
| Securities held to maturity | 750,000 | 750,000 | 750,000 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,630,000 | 137,100,000 | 139,054,000 | 127,608,000 |
| Interest-bearing deposits | 115,876,000 | 113,789,000 | 109,202,000 | 105,063,000 |
| Noninterest-bearing deposits | 22,754,000 | 23,311,000 | 29,852,000 | 22,545,000 |
| Equity capital | 11,995,000 | 12,081,000 | 12,122,000 | 11,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 1,967,000 | 3,026,000 | 4,070,000 |
| Interest expense | 63,000 | 122,000 | 170,000 | 216,000 |
| Net interest income | 911,000 | 1,845,000 | 2,856,000 | 3,854,000 |
| Noninterest income | 217,000 | 426,000 | 625,000 | 801,000 |
| Noninterest expense | 1,005,000 | 2,043,000 | 3,072,000 | 4,077,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 228,000 | 409,000 | 578,000 |
| Income tax | 24,000 | 45,000 | 85,000 | 119,000 |
| Net income | 99,000 | 183,000 | 324,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,794,000 | 11,944,000 | 12,056,000 | 12,102,000 |
| Total capital | — | — | 13,080,000 | 13,147,000 |
| Risk-weighted assets | — | — | 81,760,000 | 83,478,000 |