Call reports 2009
CLAY COUNTY BANK, INC. — 2009
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 70,187,000 | 70,564,000 | 73,694,000 | 72,064,000 |
| Total loans | 40,297,000 | 41,106,000 | 43,278,000 | 43,996,000 |
| Allowance for loan losses | 951,000 | 950,000 | 950,000 | 999,000 |
| Securities available for sale | 23,068,000 | 22,872,000 | 22,974,000 | 21,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,025,000 | 61,458,000 | 63,944,000 | 62,673,000 |
| Interest-bearing deposits | 50,973,000 | 52,138,000 | 53,928,000 | 52,353,000 |
| Noninterest-bearing deposits | 10,052,000 | 9,320,000 | 10,016,000 | 10,320,000 |
| Equity capital | 8,654,000 | 8,593,000 | 9,037,000 | 8,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 958,000 | 1,955,000 | 2,952,000 | 3,968,000 |
| Interest expense | 262,000 | 525,000 | 786,000 | 1,044,000 |
| Net interest income | 696,000 | 1,430,000 | 2,166,000 | 2,924,000 |
| Noninterest income | 143,000 | 286,000 | 457,000 | 609,000 |
| Noninterest expense | 505,000 | 1,096,000 | 1,677,000 | 2,251,000 |
| Provision for loan losses | 2,000 | 2,000 | 7,000 | 57,000 |
| Pretax income | 332,000 | 618,000 | 939,000 | 1,225,000 |
| Income tax | 115,000 | 186,000 | 287,000 | 305,000 |
| Net income | 217,000 | 432,000 | 652,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,462,000 | 8,462,000 | 8,582,000 | 8,648,000 |
| Total capital | 8,874,000 | 8,881,000 | 9,016,000 | 9,087,000 |
| Risk-weighted assets | 32,438,000 | 32,982,000 | 34,293,000 | 34,538,000 |