Call reports 2011
CLAY COUNTY BANK, INC. — 2011
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 74,317,000 | 74,500,000 | 76,190,000 | 77,805,000 |
| Total loans | 45,593,000 | 46,956,000 | 47,491,000 | 48,058,000 |
| Allowance for loan losses | 1,009,000 | 1,013,000 | 1,010,000 | 1,012,000 |
| Securities available for sale | 19,530,000 | 20,101,000 | 18,330,000 | 19,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,268,000 | 64,136,000 | 65,347,000 | 67,031,000 |
| Interest-bearing deposits | 54,545,000 | 54,367,000 | 55,196,000 | 56,296,000 |
| Noninterest-bearing deposits | 9,723,000 | 9,769,000 | 10,151,000 | 10,735,000 |
| Equity capital | 9,529,000 | 9,798,000 | 10,177,000 | 10,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,949,000 | 2,948,000 | 3,939,000 |
| Interest expense | 230,000 | 459,000 | 682,000 | 905,000 |
| Net interest income | 732,000 | 1,490,000 | 2,266,000 | 3,034,000 |
| Noninterest income | 156,000 | 319,000 | 480,000 | 639,000 |
| Noninterest expense | 573,000 | 1,159,000 | 1,721,000 | 2,359,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 15,000 |
| Pretax income | 313,000 | 648,000 | 1,023,000 | 1,299,000 |
| Income tax | 107,000 | 207,000 | 329,000 | 386,000 |
| Net income | 206,000 | 441,000 | 694,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,237,000 | 9,367,000 | 9,620,000 | 9,630,000 |
| Total capital | 9,672,000 | 9,813,000 | 10,065,000 | 10,084,000 |
| Risk-weighted assets | 34,220,000 | 35,131,000 | 35,064,000 | 35,744,000 |