Call reports 2003
CLAY COUNTY BANK, INC. — 2003
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,494,000 | 59,548,000 | 58,677,000 | 57,559,000 |
| Total loans | 32,178,000 | 31,166,000 | 30,096,000 | 29,524,000 |
| Allowance for loan losses | 925,000 | 1,084,000 | 1,287,000 | 1,376,000 |
| Securities available for sale | 8,891,000 | 8,517,000 | 10,972,000 | 14,098,000 |
| Securities held to maturity | 11,388,000 | 12,563,000 | 10,948,000 | 8,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,402,000 | 52,481,000 | 51,806,000 | 50,906,000 |
| Interest-bearing deposits | 45,975,000 | 46,099,000 | 45,461,000 | 44,121,000 |
| Noninterest-bearing deposits | 6,427,000 | 6,382,000 | 6,345,000 | 6,785,000 |
| Equity capital | 6,811,000 | 6,859,000 | 6,576,000 | 6,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 871,000 | 1,676,000 | 2,449,000 | 3,201,000 |
| Interest expense | 301,000 | 581,000 | 800,000 | 995,000 |
| Net interest income | 570,000 | 1,095,000 | 1,649,000 | 2,206,000 |
| Noninterest income | 35,000 | 91,000 | 130,000 | 139,000 |
| Noninterest expense | 467,000 | 922,000 | 1,372,000 | 2,087,000 |
| Provision for loan losses | 100,000 | 382,000 | 708,000 | 828,000 |
| Pretax income | 37,000 | -117,000 | -298,000 | -567,000 |
| Income tax | 25,000 | -51,000 | -78,000 | -244,000 |
| Net income | 12,000 | -66,000 | -220,000 | -323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,755,000 | 6,676,000 | 6,522,000 | 6,419,000 |
| Total capital | 7,121,000 | 7,033,000 | 6,873,000 | 6,761,000 |
| Risk-weighted assets | 28,674,000 | 27,822,000 | 27,122,000 | 26,340,000 |