Call reports 2019
CLAY COUNTY BANK, INC. — 2019
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 97,115,000 | 96,176,000 | 95,669,000 | 94,197,000 |
| Total loans | 52,813,000 | 53,685,000 | 54,061,000 | 54,763,000 |
| Allowance for loan losses | 1,325,000 | 1,267,000 | 1,268,000 | 1,255,000 |
| Securities available for sale | 18,030,000 | 19,299,000 | 17,238,000 | 19,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,041,000 | 81,412,000 | 80,678,000 | 79,280,000 |
| Interest-bearing deposits | 65,286,000 | 65,142,000 | 64,378,000 | 62,903,000 |
| Noninterest-bearing deposits | 16,755,000 | 16,270,000 | 16,300,000 | 16,377,000 |
| Equity capital | 13,729,000 | 14,091,000 | 14,465,000 | 14,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,205,000 | 3,330,000 | 4,430,000 |
| Interest expense | 146,000 | 299,000 | 461,000 | 624,000 |
| Net interest income | 940,000 | 1,906,000 | 2,869,000 | 3,806,000 |
| Noninterest income | 162,000 | 325,000 | 497,000 | 660,000 |
| Noninterest expense | 640,000 | 1,336,000 | 2,033,000 | 2,785,000 |
| Provision for loan losses | 2,000 | 2,000 | 5,000 | 5,000 |
| Pretax income | 460,000 | 893,000 | 1,328,000 | 1,676,000 |
| Income tax | 113,000 | 216,000 | 324,000 | 384,000 |
| Net income | 347,000 | 677,000 | 1,004,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,556,000 | 13,825,000 | 14,152,000 | 14,150,000 |
| Total capital | 14,054,000 | 14,333,000 | 14,655,000 | 14,665,000 |
| Risk-weighted assets | 38,978,000 | 39,881,000 | 39,434,000 | 40,428,000 |