Call reports 2021
CLAY COUNTY BANK, INC. — 2021
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 108,576,000 | 110,613,000 | 113,743,000 | 115,171,000 |
| Total loans | 54,612,000 | 55,242,000 | 57,230,000 | 57,852,000 |
| Allowance for loan losses | 1,225,000 | 1,250,000 | 1,251,000 | 1,243,000 |
| Securities available for sale | 19,938,000 | 25,820,000 | 26,738,000 | 31,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,537,000 | 94,234,000 | 97,130,000 | 98,694,000 |
| Interest-bearing deposits | 69,412,000 | 71,044,000 | 73,003,000 | 73,059,000 |
| Noninterest-bearing deposits | 23,125,000 | 23,190,000 | 24,127,000 | 25,635,000 |
| Equity capital | 15,493,000 | 15,721,000 | 16,034,000 | 15,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,992,000 | 3,031,000 | 4,080,000 |
| Interest expense | 131,000 | 258,000 | 380,000 | 495,000 |
| Net interest income | 857,000 | 1,734,000 | 2,651,000 | 3,585,000 |
| Noninterest income | 159,000 | 320,000 | 496,000 | 670,000 |
| Noninterest expense | 648,000 | 1,325,000 | 1,989,000 | 2,766,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 368,000 | 729,000 | 1,158,000 | 1,489,000 |
| Income tax | 89,000 | 173,000 | 273,000 | 235,000 |
| Net income | 279,000 | 556,000 | 885,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,132,000 | 15,313,000 | 15,642,000 | 15,721,000 |