Call reports 2003
CLAY COUNTY STATE BANK — 2003
What CLAY COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,071,000 | 59,920,000 | 61,277,000 | 60,289,000 |
| Total loans | 32,694,000 | 33,663,000 | 35,518,000 | 35,226,000 |
| Allowance for loan losses | 430,000 | 440,000 | 449,000 | 446,000 |
| Securities available for sale | 21,110,000 | 19,423,000 | 19,232,000 | 20,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,812,000 | 47,673,000 | 50,547,000 | 49,374,000 |
| Interest-bearing deposits | 43,811,000 | 42,854,000 | 45,847,000 | 43,620,000 |
| Noninterest-bearing deposits | 5,001,000 | 4,819,000 | 4,700,000 | 5,754,000 |
| Equity capital | 10,627,000 | 10,703,000 | 9,266,000 | 9,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,548,000 | 2,287,000 | 3,065,000 |
| Interest expense | 266,000 | 511,000 | 739,000 | 956,000 |
| Net interest income | 534,000 | 1,037,000 | 1,548,000 | 2,109,000 |
| Noninterest income | 27,000 | 58,000 | 95,000 | 141,000 |
| Noninterest expense | 284,000 | 582,000 | 878,000 | 1,191,000 |
| Provision for loan losses | 14,000 | 27,000 | 41,000 | 41,000 |
| Pretax income | 263,000 | 486,000 | 724,000 | 1,018,000 |
| Income tax | 99,000 | 182,000 | 272,000 | 355,000 |
| Net income | 164,000 | 304,000 | 452,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,372,000 | 10,482,000 | 9,130,000 | 8,981,000 |
| Total capital | 10,802,000 | 10,922,000 | 9,579,000 | 9,427,000 |
| Risk-weighted assets | 37,060,000 | 37,094,000 | 39,186,000 | 38,984,000 |