Call reports 2007
CLAY COUNTY BANK, INC. — 2007
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,830,000 | 63,347,000 | 62,731,000 | 63,424,000 |
| Total loans | 31,988,000 | 34,658,000 | 35,788,000 | 36,344,000 |
| Allowance for loan losses | 1,078,000 | 1,084,000 | 1,118,000 | 948,000 |
| Securities available for sale | 26,408,000 | 24,574,000 | 22,606,000 | 22,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,698,000 | 56,320,000 | 55,147,000 | 55,202,000 |
| Interest-bearing deposits | 47,656,000 | 48,310,000 | 47,599,000 | 46,995,000 |
| Noninterest-bearing deposits | 8,042,000 | 8,010,000 | 7,548,000 | 8,207,000 |
| Equity capital | 6,858,000 | 6,704,000 | 7,147,000 | 7,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 909,000 | 1,861,000 | 2,844,000 | 3,941,000 |
| Interest expense | 304,000 | 627,000 | 955,000 | 1,283,000 |
| Net interest income | 605,000 | 1,234,000 | 1,889,000 | 2,658,000 |
| Noninterest income | 114,000 | 268,000 | 423,000 | 595,000 |
| Noninterest expense | 482,000 | 993,000 | 1,496,000 | 2,090,000 |
| Provision for loan losses | 3,000 | 11,000 | 18,000 | -528,000 |
| Pretax income | 234,000 | 498,000 | 797,000 | 1,690,000 |
| Income tax | 89,000 | 189,000 | 303,000 | 559,000 |
| Net income | 145,000 | 309,000 | 494,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,991,000 | 7,070,000 | 7,255,000 | 7,654,000 |
| Total capital | 7,352,000 | 7,447,000 | 7,633,000 | 8,032,000 |
| Risk-weighted assets | 28,176,000 | 29,451,000 | 29,494,000 | 29,681,000 |