Call reports 2002
CLAY COUNTY BANK, INC. — 2002
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 64,100,000 | 62,780,000 | 61,675,000 | 59,604,000 |
| Total loans | 38,075,000 | 37,871,000 | 36,138,000 | 34,604,000 |
| Allowance for loan losses | 859,000 | 1,104,000 | 1,300,000 | 1,070,000 |
| Securities available for sale | 5,531,000 | 5,342,000 | 5,964,000 | 8,194,000 |
| Securities held to maturity | 11,814,000 | 11,140,000 | 10,424,000 | 9,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,574,000 | 55,718,000 | 54,620,000 | 52,582,000 |
| Interest-bearing deposits | 50,300,000 | 49,215,000 | 48,609,000 | 46,422,000 |
| Noninterest-bearing deposits | 6,274,000 | 6,503,000 | 6,011,000 | 6,160,000 |
| Equity capital | 6,858,000 | 6,793,000 | 6,861,000 | 6,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,093,000 | 3,085,000 | 3,988,000 |
| Interest expense | 460,000 | 879,000 | 1,265,000 | 1,622,000 |
| Net interest income | 605,000 | 1,214,000 | 1,820,000 | 2,366,000 |
| Noninterest income | 24,000 | 62,000 | 97,000 | 278,000 |
| Noninterest expense | 430,000 | 845,000 | 1,392,000 | 2,137,000 |
| Provision for loan losses | 77,000 | 331,000 | 406,000 | 630,000 |
| Pretax income | 126,000 | 114,000 | 133,000 | 14,000 |
| Income tax | 30,000 | 138,000 | 126,000 | -9,000 |
| Net income | 96,000 | -24,000 | 7,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,816,000 | 6,696,000 | 6,726,000 | 6,743,000 |
| Total capital | 7,272,000 | 7,130,000 | 7,132,000 | 7,133,000 |
| Risk-weighted assets | 36,059,000 | 34,089,000 | 31,581,000 | 30,542,000 |