Call reports 2022
CLAY COUNTY SAVINGS BANK — 2022
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 161,814,000 | 160,513,000 | 151,081,000 | 153,139,000 |
| Total loans | 89,469,000 | 89,450,000 | 91,590,000 | 97,463,000 |
| Allowance for loan losses | 1,247,000 | 1,247,000 | 1,247,000 | 1,247,000 |
| Securities available for sale | 32,052,000 | 31,660,000 | 30,481,000 | 30,867,000 |
| Securities held to maturity | 750,000 | 4,493,000 | 5,716,000 | 5,707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,547,000 | 150,119,000 | 141,303,000 | 137,882,000 |
| Interest-bearing deposits | 129,449,000 | 125,439,000 | 116,853,000 | 111,682,000 |
| Noninterest-bearing deposits | 21,098,000 | 24,680,000 | 24,450,000 | 26,200,000 |
| Equity capital | 11,078,000 | 10,218,000 | 9,589,000 | 9,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,166,000 | 3,349,000 | 4,623,000 |
| Interest expense | 52,000 | 148,000 | 316,000 | 534,000 |
| Net interest income | 971,000 | 2,018,000 | 3,033,000 | 4,089,000 |
| Noninterest income | 312,000 | 450,000 | 575,000 | 680,000 |
| Noninterest expense | 1,047,000 | 2,089,000 | 3,156,000 | 4,196,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 236,000 | 379,000 | 452,000 | 573,000 |
| Income tax | 47,000 | 66,000 | 35,000 | 33,000 |
| Net income | 189,000 | 313,000 | 417,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,193,000 | 12,193,000 | 12,172,000 | 12,169,000 |
| Total capital | 13,318,000 | 13,342,000 | 13,276,000 | 13,390,000 |
| Risk-weighted assets | 89,914,000 | 91,836,000 | 88,183,000 | 97,727,000 |