Call reports 2005
CLAY COUNTY BANK, INC. — 2005
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,643,000 | 56,379,000 | 56,778,000 | 56,690,000 |
| Total loans | 27,599,000 | 27,806,000 | 29,558,000 | 30,002,000 |
| Allowance for loan losses | 1,383,000 | 1,356,000 | 1,336,000 | 1,210,000 |
| Securities available for sale | 23,827,000 | 24,744,000 | 23,538,000 | 22,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,068,000 | 49,688,000 | 50,010,000 | 50,077,000 |
| Interest-bearing deposits | 41,806,000 | 43,222,000 | 44,172,000 | 43,442,000 |
| Noninterest-bearing deposits | 6,262,000 | 6,466,000 | 5,838,000 | 6,635,000 |
| Equity capital | 6,478,000 | 6,588,000 | 6,651,000 | 6,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,298,000 | 1,999,000 | 2,719,000 |
| Interest expense | 163,000 | 347,000 | 546,000 | 756,000 |
| Net interest income | 479,000 | 951,000 | 1,453,000 | 1,963,000 |
| Noninterest income | 31,000 | 89,000 | 144,000 | 199,000 |
| Noninterest expense | 404,000 | 794,000 | 1,196,000 | 1,620,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 102,000 | 242,000 | 397,000 | 538,000 |
| Income tax | 35,000 | 90,000 | 152,000 | 208,000 |
| Net income | 67,000 | 152,000 | 245,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,778,000 | 6,800,000 | 6,893,000 | 6,824,000 |
| Total capital | 7,102,000 | 7,130,000 | 7,238,000 | 7,174,000 |
| Risk-weighted assets | 24,848,000 | 25,396,000 | 26,612,000 | 27,110,000 |