Call reports 2001
CLAY COUNTY BANK, INC. — 2001
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 61,594,000 | 61,829,000 | 64,272,000 | 63,540,000 |
| Total loans | 39,283,000 | 40,153,000 | 41,067,000 | 40,388,000 |
| Allowance for loan losses | 979,000 | 864,000 | 926,000 | 2,001,000 |
| Securities available for sale | 4,584,000 | 5,087,000 | 5,198,000 | 5,617,000 |
| Securities held to maturity | 11,207,000 | 10,667,000 | 11,941,000 | 11,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,596,000 | 53,843,000 | 56,029,000 | 56,436,000 |
| Interest-bearing deposits | 47,348,000 | 47,978,000 | 49,812,000 | 50,501,000 |
| Noninterest-bearing deposits | 6,248,000 | 5,865,000 | 6,217,000 | 5,935,000 |
| Equity capital | 7,628,000 | 7,700,000 | 7,870,000 | 6,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,127,000 | 2,332,000 | 3,485,000 | 4,608,000 |
| Interest expense | 548,000 | 1,094,000 | 1,630,000 | 2,153,000 |
| Net interest income | 579,000 | 1,238,000 | 1,855,000 | 2,455,000 |
| Noninterest income | 23,000 | 50,000 | 76,000 | 104,000 |
| Noninterest expense | 492,000 | 861,000 | 1,319,000 | 1,808,000 |
| Provision for loan losses | 385,000 | 385,000 | 485,000 | 1,980,000 |
| Pretax income | -274,000 | 43,000 | 137,000 | -1,214,000 |
| Income tax | -150,000 | -27,000 | -40,000 | -481,000 |
| Net income | -124,000 | 70,000 | 177,000 | -733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,569,000 | 7,636,000 | 7,743,000 | 6,720,000 |
| Total capital | 8,028,000 | 8,097,000 | 8,215,000 | 7,193,000 |
| Risk-weighted assets | 36,197,000 | 36,494,000 | 37,321,000 | 36,305,000 |