Call reports 2008
CLAY COUNTY BANK, INC. — 2008
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 65,472,000 | 65,832,000 | 66,882,000 | 65,926,000 |
| Total loans | 36,504,000 | 37,625,000 | 38,622,000 | 40,130,000 |
| Allowance for loan losses | 949,000 | 948,000 | 901,000 | 953,000 |
| Securities available for sale | 24,225,000 | 22,254,000 | 22,103,000 | 21,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,856,000 | 57,566,000 | 58,148,000 | 57,202,000 |
| Interest-bearing deposits | 48,548,000 | 48,816,000 | 49,616,000 | 48,493,000 |
| Noninterest-bearing deposits | 8,308,000 | 8,750,000 | 8,532,000 | 8,709,000 |
| Equity capital | 8,044,000 | 7,791,000 | 8,238,000 | 8,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,005,000 | 1,998,000 | 2,973,000 | 3,963,000 |
| Interest expense | 330,000 | 627,000 | 897,000 | 1,165,000 |
| Net interest income | 675,000 | 1,371,000 | 2,076,000 | 2,798,000 |
| Noninterest income | 161,000 | 315,000 | 482,000 | 634,000 |
| Noninterest expense | 493,000 | 1,014,000 | 1,542,000 | 2,103,000 |
| Provision for loan losses | 2,000 | 4,000 | 8,000 | 8,000 |
| Pretax income | 341,000 | 668,000 | 1,008,000 | 1,321,000 |
| Income tax | 119,000 | 233,000 | 343,000 | 403,000 |
| Net income | 222,000 | 435,000 | 665,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,876,000 | 7,991,000 | 8,221,000 | 8,250,000 |
| Total capital | 8,260,000 | 8,385,000 | 8,622,000 | 8,653,000 |
| Risk-weighted assets | 30,176,000 | 30,985,000 | 31,565,000 | 31,680,000 |