Call reports 2020
CLAY COUNTY BANK, INC. — 2020
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 96,791,000 | 103,169,000 | 104,895,000 | 104,085,000 |
| Total loans | 54,712,000 | 55,082,000 | 55,784,000 | 54,853,000 |
| Allowance for loan losses | 1,254,000 | 1,256,000 | 1,273,000 | 1,279,000 |
| Securities available for sale | 16,861,000 | 18,250,000 | 19,133,000 | 19,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,637,000 | 87,352,000 | 88,928,000 | 88,136,000 |
| Interest-bearing deposits | 64,836,000 | 66,747,000 | 68,141,000 | 66,420,000 |
| Noninterest-bearing deposits | 16,801,000 | 20,605,000 | 20,787,000 | 21,716,000 |
| Equity capital | 14,601,000 | 15,187,000 | 15,452,000 | 15,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,132,000 | 3,173,000 | 4,194,000 |
| Interest expense | 153,000 | 305,000 | 455,000 | 598,000 |
| Net interest income | 923,000 | 1,827,000 | 2,718,000 | 3,596,000 |
| Noninterest income | 150,000 | 292,000 | 445,000 | 600,000 |
| Noninterest expense | 625,000 | 1,278,000 | 1,947,000 | 2,656,000 |
| Provision for loan losses | 3,000 | 3,000 | 33,000 | 63,000 |
| Pretax income | 445,000 | 838,000 | 1,183,000 | 1,477,000 |
| Income tax | 98,000 | 192,000 | 277,000 | 330,000 |
| Net income | 347,000 | 646,000 | 906,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,469,000 | 14,671,000 | 14,930,000 | 14,882,000 |