Call reports 2006
CLAY COUNTY BANK, INC. — 2006
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,137,000 | 60,658,000 | 60,836,000 | 60,294,000 |
| Total loans | 29,455,000 | 30,795,000 | 31,660,000 | 31,754,000 |
| Allowance for loan losses | 982,000 | 983,000 | 1,024,000 | 1,060,000 |
| Securities available for sale | 22,529,000 | 23,105,000 | 22,831,000 | 23,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,528,000 | 53,556,000 | 53,969,000 | 53,223,000 |
| Interest-bearing deposits | 45,222,000 | 46,615,000 | 46,504,000 | 45,111,000 |
| Noninterest-bearing deposits | 7,306,000 | 6,941,000 | 7,465,000 | 8,113,000 |
| Equity capital | 6,435,000 | 6,429,000 | 6,669,000 | 6,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,544,000 | 2,385,000 | 3,263,000 |
| Interest expense | 234,000 | 486,000 | 762,000 | 1,056,000 |
| Net interest income | 520,000 | 1,058,000 | 1,623,000 | 2,207,000 |
| Noninterest income | 139,000 | 205,000 | 286,000 | 361,000 |
| Noninterest expense | 437,000 | 886,000 | 1,351,000 | 1,855,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 222,000 | 377,000 | 558,000 | 713,000 |
| Income tax | 86,000 | 144,000 | 218,000 | 268,000 |
| Net income | 136,000 | 233,000 | 340,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,810,000 | 6,840,000 | 6,947,000 | 6,978,000 |
| Total capital | 7,152,000 | 7,191,000 | 7,303,000 | 7,331,000 |
| Risk-weighted assets | 26,741,000 | 27,458,000 | 27,832,000 | 27,555,000 |