Call reports 2023
CLAY COUNTY SAVINGS BANK — 2023
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 158,794,000 | 169,652,000 | 155,012,000 | 152,422,000 |
| Total loans | 96,753,000 | 98,312,000 | 100,615,000 | 101,414,000 |
| Allowance for loan losses | 1,123,000 | 1,123,000 | 1,123,000 | 1,123,000 |
| Securities available for sale | 30,966,000 | 30,470,000 | 30,078,000 | 29,986,000 |
| Securities held to maturity | 5,698,000 | 5,689,000 | 5,679,000 | 5,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,405,000 | 145,153,000 | 119,106,000 | 115,443,000 |
| Interest-bearing deposits | 127,066,000 | 120,438,000 | 95,591,000 | 94,463,000 |
| Noninterest-bearing deposits | 21,339,000 | 24,715,000 | 23,515,000 | 20,980,000 |
| Equity capital | 10,243,000 | 9,806,000 | 9,572,000 | 10,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,840,000 | 4,254,000 | 5,725,000 |
| Interest expense | 417,000 | 861,000 | 1,340,000 | 1,867,000 |
| Net interest income | 970,000 | 1,979,000 | 2,914,000 | 3,858,000 |
| Noninterest income | 117,000 | 252,000 | 382,000 | 537,000 |
| Noninterest expense | 1,108,000 | 2,379,000 | 3,470,000 | 4,478,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -21,000 | -148,000 | -174,000 | -83,000 |
| Income tax | -35,000 | -72,000 | -99,000 | -99,000 |
| Net income | 14,000 | -76,000 | -75,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,013,000 | 11,872,000 | 11,857,000 | 11,944,000 |
| Total capital | 13,136,000 | 12,995,000 | 12,980,000 | 13,067,000 |
| Risk-weighted assets | 96,028,000 | 103,146,000 | 106,327,000 | 97,892,000 |