Call reports 2015
CLAY COUNTY BANK, INC. — 2015
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 82,020,000 | 82,279,000 | 82,327,000 | 82,638,000 |
| Total loans | 49,683,000 | 50,798,000 | 51,174,000 | 50,754,000 |
| Allowance for loan losses | 1,110,000 | 1,114,000 | 1,116,000 | 1,134,000 |
| Securities available for sale | 17,600,000 | 17,104,000 | 16,592,000 | 14,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,295,000 | 70,621,000 | 70,382,000 | 70,748,000 |
| Interest-bearing deposits | 58,452,000 | 58,836,000 | 58,655,000 | 57,847,000 |
| Noninterest-bearing deposits | 11,843,000 | 11,785,000 | 11,727,000 | 12,901,000 |
| Equity capital | 11,218,000 | 11,234,000 | 11,527,000 | 11,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,875,000 | 2,843,000 | 3,817,000 |
| Interest expense | 124,000 | 247,000 | 367,000 | 485,000 |
| Net interest income | 796,000 | 1,628,000 | 2,476,000 | 3,332,000 |
| Noninterest income | 131,000 | 270,000 | 401,000 | 540,000 |
| Noninterest expense | 622,000 | 1,262,000 | 1,865,000 | 2,525,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 3,000 |
| Pretax income | 305,000 | 636,000 | 1,010,000 | 1,344,000 |
| Income tax | 96,000 | 200,000 | 322,000 | 467,000 |
| Net income | 209,000 | 436,000 | 688,000 | 877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,883,000 | 11,012,000 | 11,264,000 | 11,255,000 |
| Total capital | 11,354,000 | 11,493,000 | 11,738,000 | 11,718,000 |
| Risk-weighted assets | 37,050,000 | 37,832,000 | 37,310,000 | 36,403,000 |