Call reports 2022
CLAY COUNTY BANK, INC. — 2022
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 116,567,000 | 117,334,000 | 118,814,000 | 117,184,000 |
| Total loans | 57,314,000 | 58,248,000 | 59,121,000 | 58,446,000 |
| Allowance for loan losses | 1,235,000 | 1,227,000 | 1,228,000 | 1,263,000 |
| Securities available for sale | 31,278,000 | 32,936,000 | 35,881,000 | 37,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,095,000 | 102,526,000 | 104,657,000 | 102,575,000 |
| Interest-bearing deposits | 74,972,000 | 76,124,000 | 78,670,000 | 78,122,000 |
| Noninterest-bearing deposits | 26,123,000 | 26,402,000 | 25,987,000 | 24,453,000 |
| Equity capital | 14,855,000 | 14,189,000 | 13,695,000 | 14,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,105,000 | 3,288,000 | 4,534,000 |
| Interest expense | 108,000 | 215,000 | 307,000 | 433,000 |
| Net interest income | 923,000 | 1,890,000 | 2,981,000 | 4,101,000 |
| Noninterest income | 159,000 | 332,000 | 493,000 | 656,000 |
| Noninterest expense | 698,000 | 1,402,000 | 2,120,000 | 2,986,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 7,000 |
| Pretax income | 382,000 | 818,000 | 1,352,000 | 1,764,000 |
| Income tax | 89,000 | 190,000 | 316,000 | 341,000 |
| Net income | 293,000 | 628,000 | 1,036,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,971,000 | 16,210,000 | 16,617,000 | 16,945,000 |