Call reports 2023
CLAY COUNTY BANK, INC. — 2023
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 121,821,000 | 119,380,000 | 120,608,000 | 124,033,000 |
| Total loans | 59,128,000 | 60,572,000 | 61,643,000 | 61,404,000 |
| Allowance for loan losses | 1,259,000 | 1,257,000 | 1,233,000 | 1,241,000 |
| Securities available for sale | 37,391,000 | 36,396,000 | 35,153,000 | 37,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,243,000 | 103,803,000 | 105,194,000 | 107,475,000 |
| Interest-bearing deposits | 81,216,000 | 78,993,000 | 81,188,000 | 83,003,000 |
| Noninterest-bearing deposits | 25,027,000 | 24,810,000 | 24,006,000 | 24,472,000 |
| Equity capital | 14,991,000 | 14,938,000 | 14,859,000 | 15,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,288,000 | 2,648,000 | 4,045,000 | 5,527,000 |
| Interest expense | 159,000 | 369,000 | 604,000 | 896,000 |
| Net interest income | 1,129,000 | 2,279,000 | 3,441,000 | 4,631,000 |
| Noninterest income | 161,000 | 326,000 | 497,000 | 683,000 |
| Noninterest expense | 741,000 | 1,479,000 | 2,232,000 | 3,174,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 549,000 | 1,126,000 | 1,706,000 | 2,140,000 |
| Income tax | 126,000 | 258,000 | 393,000 | 468,000 |
| Net income | 423,000 | 868,000 | 1,313,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,057,000 | 17,406,000 | 17,851,000 | 17,852,000 |