Call reports 2010
CLAY COUNTY BANK, INC. — 2010
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 74,178,000 | 72,204,000 | 73,244,000 | 72,226,000 |
| Total loans | 43,228,000 | 43,823,000 | 44,520,000 | 45,711,000 |
| Allowance for loan losses | 993,000 | 972,000 | 958,000 | 1,004,000 |
| Securities available for sale | 23,600,000 | 22,486,000 | 20,772,000 | 18,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,584,000 | 62,304,000 | 63,059,000 | 62,485,000 |
| Interest-bearing deposits | 54,454,000 | 53,363,000 | 53,990,000 | 52,819,000 |
| Noninterest-bearing deposits | 10,130,000 | 8,941,000 | 9,069,000 | 9,666,000 |
| Equity capital | 9,135,000 | 9,435,000 | 9,677,000 | 9,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 1,964,000 | 2,957,000 | 3,944,000 |
| Interest expense | 242,000 | 483,000 | 728,000 | 967,000 |
| Net interest income | 733,000 | 1,481,000 | 2,229,000 | 2,977,000 |
| Noninterest income | 138,000 | 295,000 | 454,000 | 617,000 |
| Noninterest expense | 571,000 | 1,146,000 | 1,717,000 | 2,328,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 58,000 |
| Pretax income | 300,000 | 630,000 | 961,000 | 1,208,000 |
| Income tax | 67,000 | 143,000 | 229,000 | 383,000 |
| Net income | 233,000 | 487,000 | 732,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,877,000 | 9,025,000 | 9,159,000 | 9,036,000 |
| Total capital | 9,325,000 | 9,465,000 | 9,605,000 | 9,482,000 |
| Risk-weighted assets | 35,302,000 | 34,680,000 | 35,147,000 | 35,148,000 |