Call reports 2012
CLAY COUNTY BANK, INC. — 2012
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,258,000 | 78,122,000 | 79,529,000 | 78,958,000 |
| Total loans | 47,574,000 | 48,792,000 | 49,581,000 | 49,535,000 |
| Allowance for loan losses | 1,031,000 | 1,023,000 | 1,028,000 | 1,066,000 |
| Securities available for sale | 16,759,000 | 16,140,000 | 14,904,000 | 14,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,338,000 | 67,046,000 | 68,189,000 | 67,792,000 |
| Interest-bearing deposits | 57,468,000 | 56,501,000 | 57,971,000 | 56,617,000 |
| Noninterest-bearing deposits | 10,870,000 | 10,545,000 | 10,218,000 | 11,175,000 |
| Equity capital | 10,335,000 | 10,506,000 | 10,777,000 | 10,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,940,000 | 2,919,000 | 3,882,000 |
| Interest expense | 210,000 | 412,000 | 615,000 | 808,000 |
| Net interest income | 760,000 | 1,528,000 | 2,304,000 | 3,074,000 |
| Noninterest income | 147,000 | 308,000 | 463,000 | 616,000 |
| Noninterest expense | 579,000 | 1,165,000 | 1,725,000 | 2,351,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 328,000 | 671,000 | 1,042,000 | 1,309,000 |
| Income tax | 113,000 | 219,000 | 344,000 | 405,000 |
| Net income | 215,000 | 452,000 | 698,000 | 904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,826,000 | 9,953,000 | 10,199,000 | 10,196,000 |
| Total capital | 10,268,000 | 10,407,000 | 10,657,000 | 10,649,000 |
| Risk-weighted assets | 34,775,000 | 35,744,000 | 36,105,000 | 35,646,000 |