Call reports 2018
CLAY COUNTY BANK, INC. — 2018
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 92,962,000 | 94,255,000 | 94,041,000 | 94,907,000 |
| Total loans | 51,253,000 | 51,872,000 | 53,021,000 | 53,478,000 |
| Allowance for loan losses | 1,377,000 | 1,369,000 | 1,351,000 | 1,316,000 |
| Securities available for sale | 16,001,000 | 17,352,000 | 16,655,000 | 16,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,810,000 | 81,018,000 | 80,600,000 | 81,210,000 |
| Interest-bearing deposits | 60,598,000 | 61,906,000 | 61,367,000 | 60,531,000 |
| Noninterest-bearing deposits | 19,212,000 | 19,112,000 | 19,233,000 | 20,679,000 |
| Equity capital | 12,645,000 | 12,797,000 | 13,080,000 | 13,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,151,000 | 3,217,000 | 4,318,000 |
| Interest expense | 101,000 | 201,000 | 325,000 | 460,000 |
| Net interest income | 1,033,000 | 1,950,000 | 2,892,000 | 3,858,000 |
| Noninterest income | 146,000 | 300,000 | 450,000 | 629,000 |
| Noninterest expense | 601,000 | 1,272,000 | 1,878,000 | 2,677,000 |
| Provision for loan losses | 1,000 | 1,000 | 3,000 | 3,000 |
| Pretax income | 577,000 | 977,000 | 1,461,000 | 1,807,000 |
| Income tax | 147,000 | 258,000 | 386,000 | 473,000 |
| Net income | 430,000 | 719,000 | 1,075,000 | 1,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,756,000 | 12,974,000 | 13,305,000 | 13,274,000 |
| Total capital | 13,226,000 | 13,447,000 | 13,786,000 | 13,777,000 |
| Risk-weighted assets | 36,729,000 | 36,945,000 | 37,573,000 | 39,437,000 |