Call reports 2004
CLAY COUNTY BANK, INC. — 2004
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,932,000 | 55,425,000 | 54,218,000 | 53,088,000 |
| Total loans | 28,315,000 | 27,165,000 | 27,056,000 | 27,536,000 |
| Allowance for loan losses | 1,366,000 | 1,439,000 | 1,458,000 | 1,384,000 |
| Securities available for sale | 21,039,000 | 26,061,000 | 25,576,000 | 24,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,196,000 | 49,052,000 | 47,303,000 | 46,381,000 |
| Interest-bearing deposits | 43,051,000 | 42,972,000 | 41,324,000 | 39,824,000 |
| Noninterest-bearing deposits | 6,145,000 | 6,080,000 | 5,979,000 | 6,557,000 |
| Equity capital | 6,575,000 | 6,273,000 | 6,638,000 | 6,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,411,000 | 2,081,000 | 2,701,000 |
| Interest expense | 170,000 | 326,000 | 485,000 | 640,000 |
| Net interest income | 557,000 | 1,085,000 | 1,596,000 | 2,061,000 |
| Noninterest income | 14,000 | 47,000 | 92,000 | 155,000 |
| Noninterest expense | 455,000 | 887,000 | 1,300,000 | 1,719,000 |
| Provision for loan losses | 25,000 | 42,000 | 67,000 | 75,000 |
| Pretax income | 188,000 | 300,000 | 418,000 | 524,000 |
| Income tax | 74,000 | 60,000 | 137,000 | 117,000 |
| Net income | 114,000 | 240,000 | 281,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,533,000 | 6,660,000 | 6,700,000 | 6,711,000 |
| Total capital | 6,847,000 | 6,983,000 | 7,018,000 | 7,019,000 |
| Risk-weighted assets | 24,105,000 | 24,753,000 | 24,293,000 | 23,569,000 |