Call reports 2015
CLARKE COUNTY STATE BANK — 2015
What CLARKE COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 111,818,000 | 105,953,000 | 106,543,000 | 104,338,000 |
| Total loans | 71,110,000 | 71,073,000 | 72,330,000 | 70,471,000 |
| Allowance for loan losses | 1,271,000 | 1,278,000 | 1,295,000 | 1,166,000 |
| Securities available for sale | 26,371,000 | 27,184,000 | 26,354,000 | 25,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,547,000 | 89,901,000 | 89,269,000 | 88,933,000 |
| Interest-bearing deposits | 89,485,000 | 82,777,000 | 83,579,000 | 83,222,000 |
| Noninterest-bearing deposits | 6,062,000 | 7,124,000 | 5,690,000 | 5,711,000 |
| Equity capital | 12,441,000 | 12,138,000 | 12,288,000 | 11,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,836,000 | 2,762,000 | 3,723,000 |
| Interest expense | 116,000 | 231,000 | 345,000 | 454,000 |
| Net interest income | 776,000 | 1,605,000 | 2,417,000 | 3,269,000 |
| Noninterest income | 109,000 | 188,000 | 274,000 | 350,000 |
| Noninterest expense | 639,000 | 1,299,000 | 1,960,000 | 2,748,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 246,000 | 494,000 | 731,000 | 1,071,000 |
| Income tax | 64,000 | 129,000 | 189,000 | 291,000 |
| Net income | 182,000 | 365,000 | 542,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,327,000 | 12,137,000 | 12,190,000 | 11,607,000 |
| Total capital | 13,332,000 | 13,120,000 | 13,175,000 | 12,572,000 |
| Risk-weighted assets | 79,933,000 | 78,069,000 | 78,199,000 | 76,770,000 |