Call reports 2013
CLAY COUNTY BANK, INC. — 2013
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 80,283,000 | 79,899,000 | 80,535,000 | 78,456,000 |
| Total loans | 48,501,000 | 48,586,000 | 48,645,000 | 48,188,000 |
| Allowance for loan losses | 1,076,000 | 1,077,000 | 1,076,000 | 1,076,000 |
| Securities available for sale | 13,908,000 | 13,344,000 | 14,524,000 | 14,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,897,000 | 68,773,000 | 69,164,000 | 67,428,000 |
| Interest-bearing deposits | 57,406,000 | 57,031,000 | 59,074,000 | 57,532,000 |
| Noninterest-bearing deposits | 11,491,000 | 11,742,000 | 10,090,000 | 9,896,000 |
| Equity capital | 10,875,000 | 10,700,000 | 10,933,000 | 10,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 929,000 | 1,857,000 | 2,801,000 | 3,737,000 |
| Interest expense | 179,000 | 346,000 | 512,000 | 675,000 |
| Net interest income | 750,000 | 1,511,000 | 2,289,000 | 3,062,000 |
| Noninterest income | 134,000 | 288,000 | 442,000 | 587,000 |
| Noninterest expense | 570,000 | 1,159,000 | 1,760,000 | 2,414,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 314,000 | 640,000 | 971,000 | 1,233,000 |
| Income tax | 103,000 | 208,000 | 319,000 | 341,000 |
| Net income | 211,000 | 432,000 | 652,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,384,000 | 10,501,000 | 10,721,000 | 10,551,000 |
| Total capital | 10,826,000 | 10,944,000 | 11,166,000 | 10,992,000 |
| Risk-weighted assets | 34,711,000 | 34,801,000 | 34,941,000 | 34,646,000 |