Call reports 2001
CLAY COUNTY STATE BANK — 2001
What CLAY COUNTY STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 57,241,000 | 57,772,000 | 61,613,000 | 60,907,000 |
| Total loans | 30,533,000 | 32,060,000 | 32,782,000 | 33,442,000 |
| Allowance for loan losses | 319,000 | 332,000 | 349,000 | 335,000 |
| Securities available for sale | 20,293,000 | 21,508,000 | 21,474,000 | 22,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,813,000 | 46,202,000 | 49,652,000 | 49,028,000 |
| Interest-bearing deposits | 41,316,000 | 41,994,000 | 45,398,000 | 43,983,000 |
| Noninterest-bearing deposits | 4,497,000 | 4,208,000 | 4,254,000 | 5,045,000 |
| Equity capital | 9,783,000 | 9,960,000 | 10,241,000 | 9,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,097,000 | 3,120,000 | 4,111,000 |
| Interest expense | 515,000 | 1,029,000 | 1,527,000 | 1,989,000 |
| Net interest income | 514,000 | 1,068,000 | 1,593,000 | 2,122,000 |
| Noninterest income | 22,000 | 49,000 | 79,000 | 103,000 |
| Noninterest expense | 262,000 | 529,000 | 793,000 | 1,077,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 299,000 | 609,000 | 889,000 | 1,148,000 |
| Income tax | 112,000 | 227,000 | 329,000 | 414,000 |
| Net income | 187,000 | 382,000 | 560,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,685,000 | 9,850,000 | 10,028,000 | 9,872,000 |
| Total capital | 10,004,000 | 10,182,000 | 10,377,000 | 10,207,000 |
| Risk-weighted assets | 34,334,000 | 35,749,000 | 37,854,000 | 37,626,000 |