Call reports 2014
CLAY COUNTY BANK, INC. — 2014
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 80,495,000 | 82,038,000 | 81,819,000 | 81,638,000 |
| Total loans | 48,637,000 | 49,315,000 | 50,572,000 | 50,619,000 |
| Allowance for loan losses | 1,076,000 | 1,080,000 | 1,094,000 | 1,101,000 |
| Securities available for sale | 15,793,000 | 17,648,000 | 17,766,000 | 17,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,549,000 | 70,678,000 | 70,512,000 | 70,285,000 |
| Interest-bearing deposits | 58,389,000 | 59,406,000 | 59,403,000 | 58,825,000 |
| Noninterest-bearing deposits | 11,160,000 | 11,273,000 | 11,109,000 | 11,460,000 |
| Equity capital | 10,482,000 | 10,662,000 | 10,899,000 | 10,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,850,000 | 2,814,000 | 3,772,000 |
| Interest expense | 155,000 | 305,000 | 449,000 | 579,000 |
| Net interest income | 762,000 | 1,545,000 | 2,365,000 | 3,193,000 |
| Noninterest income | 134,000 | 295,000 | 458,000 | 602,000 |
| Noninterest expense | 601,000 | 1,243,000 | 1,851,000 | 2,524,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 295,000 | 597,000 | 972,000 | 1,268,000 |
| Income tax | 91,000 | 188,000 | 300,000 | 368,000 |
| Net income | 204,000 | 409,000 | 672,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,308,000 | 10,415,000 | 10,678,000 | 10,709,000 |
| Total capital | 10,754,000 | 10,873,000 | 11,150,000 | 11,176,000 |
| Risk-weighted assets | 35,077,000 | 36,009,000 | 37,115,000 | 36,730,000 |