Call reports 2025
CLAY COUNTY BANK, INC. — 2025
What CLAY COUNTY BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 129,109,000 | 131,980,000 | 133,739,000 | 135,733,000 |
| Total loans | 64,230,000 | 65,364,000 | 63,960,000 | 63,590,000 |
| Allowance for loan losses | 1,203,000 | 1,200,000 | 1,156,000 | 1,187,000 |
| Securities available for sale | 38,807,000 | 41,099,000 | 41,546,000 | 44,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,801,000 | 113,122,000 | 114,597,000 | 116,696,000 |
| Interest-bearing deposits | 86,013,000 | 88,205,000 | 90,055,000 | 89,547,000 |
| Noninterest-bearing deposits | 24,788,000 | 24,917,000 | 24,542,000 | 27,149,000 |
| Equity capital | 17,787,000 | 18,135,000 | 18,577,000 | 18,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,241,000 | 4,931,000 | 6,672,000 |
| Interest expense | 479,000 | 959,000 | 1,444,000 | 1,931,000 |
| Net interest income | 1,106,000 | 2,282,000 | 3,487,000 | 4,741,000 |
| Noninterest income | 170,000 | 340,000 | 535,000 | 710,000 |
| Noninterest expense | 853,000 | 1,735,000 | 2,661,000 | 3,731,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 423,000 | 887,000 | 1,361,000 | 1,714,000 |
| Income tax | 85,000 | 180,000 | 276,000 | 322,000 |
| Net income | 338,000 | 707,000 | 1,085,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,304,000 | 19,576,000 | 19,545,000 | 19,484,000 |