Call reports 2024
CLAY COUNTY BANK, INC. — 2024
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 122,144,000 | 123,200,000 | 132,773,000 | 129,705,000 |
| Total loans | 61,811,000 | 63,064,000 | 65,155,000 | 64,731,000 |
| Allowance for loan losses | 1,224,000 | 1,228,000 | 1,215,000 | 1,207,000 |
| Securities available for sale | 38,236,000 | 37,571,000 | 37,728,000 | 39,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,239,000 | 106,061,000 | 114,721,000 | 112,140,000 |
| Interest-bearing deposits | 80,468,000 | 81,351,000 | 88,531,000 | 87,262,000 |
| Noninterest-bearing deposits | 24,771,000 | 24,710,000 | 26,190,000 | 24,878,000 |
| Equity capital | 16,211,000 | 16,425,000 | 17,516,000 | 17,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 2,995,000 | 4,647,000 | 6,306,000 |
| Interest expense | 331,000 | 740,000 | 1,190,000 | 1,681,000 |
| Net interest income | 1,155,000 | 2,255,000 | 3,457,000 | 4,625,000 |
| Noninterest income | 170,000 | 353,000 | 535,000 | 731,000 |
| Noninterest expense | 800,000 | 1,610,000 | 2,423,000 | 3,472,000 |
| Provision for loan losses | 3,000 | 3,000 | 11,000 | 12,000 |
| Pretax income | 525,000 | 998,000 | 1,558,000 | 1,872,000 |
| Income tax | 123,000 | 235,000 | 369,000 | 219,000 |
| Net income | 402,000 | 763,000 | 1,189,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,211,000 | 18,476,000 | 18,902,000 | 19,008,000 |