Call reports 2025
CLAY COUNTY SAVINGS BANK — 2025
What CLAY COUNTY SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Total assets | 137,347,000 | 141,613,000 |
| Total loans | 91,132,000 | 85,548,000 |
| Allowance for loan losses | 1,034,000 | 1,308,000 |
| Securities available for sale | 22,367,000 | 25,948,000 |
| Securities held to maturity | 5,625,000 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 116,321,000 | 114,665,000 |
| Interest-bearing deposits | 95,844,000 | 94,030,000 |
| Noninterest-bearing deposits | 20,477,000 | 20,635,000 |
| Equity capital | 10,234,000 | 18,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Interest income | 1,448,000 | 1,880,000 |
| Interest expense | 432,000 | 462,000 |
| Net interest income | 1,016,000 | 1,418,000 |
| Noninterest income | 76,000 | 73,000 |
| Noninterest expense | 1,311,000 | 934,000 |
| Provision for loan losses | 0 | 1,168,000 |
| Pretax income | -219,000 | -611,000 |
| Income tax | 3,000 | 0 |
| Net income | -222,000 | -611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Tier 1 capital | 10,972,000 | 14,872,000 |
| Total capital | 11,971,000 | 15,887,000 |
| Risk-weighted assets | 79,894,000 | 80,945,000 |
Machine access — free, no API key
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