Call reports 2017
CLAY COUNTY BANK, INC. — 2017
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 88,423,000 | 87,969,000 | 91,877,000 | 90,622,000 |
| Total loans | 50,902,000 | 51,008,000 | 51,605,000 | 51,559,000 |
| Allowance for loan losses | 1,385,000 | 1,369,000 | 1,379,000 | 1,370,000 |
| Securities available for sale | 15,917,000 | 16,394,000 | 16,268,000 | 16,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,816,000 | 75,446,000 | 79,155,000 | 77,858,000 |
| Interest-bearing deposits | 61,169,000 | 60,549,000 | 63,910,000 | 59,357,000 |
| Noninterest-bearing deposits | 14,647,000 | 14,897,000 | 15,245,000 | 18,501,000 |
| Equity capital | 12,154,000 | 12,152,000 | 12,416,000 | 12,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,900,000 | 2,894,000 | 4,026,000 |
| Interest expense | 100,000 | 202,000 | 305,000 | 408,000 |
| Net interest income | 837,000 | 1,698,000 | 2,589,000 | 3,618,000 |
| Noninterest income | 137,000 | 280,000 | 430,000 | 573,000 |
| Noninterest expense | 598,000 | 1,263,000 | 1,884,000 | 2,614,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 376,000 | 718,000 | 1,138,000 | 1,575,000 |
| Income tax | 126,000 | 242,000 | 388,000 | 554,000 |
| Net income | 250,000 | 476,000 | 750,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,037,000 | 12,002,000 | 12,276,000 | 12,355,000 |
| Total capital | 12,511,000 | 12,475,000 | 12,754,000 | 12,849,000 |
| Risk-weighted assets | 37,013,000 | 36,972,000 | 37,305,000 | 38,679,000 |