Call reports 2016
CLAY COUNTY BANK, INC. — 2016
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 84,287,000 | 83,803,000 | 86,286,000 | 85,592,000 |
| Total loans | 50,266,000 | 50,639,000 | 50,609,000 | 51,234,000 |
| Allowance for loan losses | 1,143,000 | 1,139,000 | 1,147,000 | 1,392,000 |
| Securities available for sale | 13,435,000 | 14,638,000 | 14,746,000 | 15,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,989,000 | 71,327,000 | 73,750,000 | 73,380,000 |
| Interest-bearing deposits | 59,601,000 | 59,273,000 | 60,237,000 | 59,697,000 |
| Noninterest-bearing deposits | 12,388,000 | 12,054,000 | 13,513,000 | 13,683,000 |
| Equity capital | 11,752,000 | 11,930,000 | 12,111,000 | 11,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,880,000 | 2,837,000 | 3,823,000 |
| Interest expense | 114,000 | 228,000 | 338,000 | 445,000 |
| Net interest income | 822,000 | 1,652,000 | 2,499,000 | 3,378,000 |
| Noninterest income | 144,000 | 279,000 | 416,000 | 555,000 |
| Noninterest expense | 596,000 | 1,259,000 | 1,919,000 | 2,580,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 370,000 | 672,000 | 996,000 | 1,353,000 |
| Income tax | 129,000 | 232,000 | 346,000 | 424,000 |
| Net income | 241,000 | 440,000 | 650,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,475,000 | 11,576,000 | 11,786,000 | 11,809,000 |
| Total capital | 11,935,000 | 12,044,000 | 12,261,000 | 12,292,000 |
| Risk-weighted assets | 36,108,000 | 36,775,000 | 37,327,000 | 37,730,000 |