Call reports 2004
CLAY COUNTY STATE BANK — 2004
What CLAY COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 60,133,000 | 59,902,000 | 59,590,000 | 59,652,000 |
| Total loans | 34,103,000 | 34,298,000 | 35,374,000 | 35,286,000 |
| Allowance for loan losses | 463,000 | 467,000 | 403,000 | 420,000 |
| Securities available for sale | 22,451,000 | 22,364,000 | 20,882,000 | 21,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,226,000 | 49,236,000 | 48,423,000 | 49,027,000 |
| Interest-bearing deposits | 43,472,000 | 43,689,000 | 43,572,000 | 43,270,000 |
| Noninterest-bearing deposits | 5,754,000 | 5,547,000 | 4,851,000 | 5,757,000 |
| Equity capital | 9,335,000 | 9,237,000 | 9,627,000 | 9,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,503,000 | 2,282,000 | 3,072,000 |
| Interest expense | 198,000 | 392,000 | 592,000 | 797,000 |
| Net interest income | 567,000 | 1,111,000 | 1,690,000 | 2,275,000 |
| Noninterest income | 32,000 | 69,000 | 112,000 | 158,000 |
| Noninterest expense | 311,000 | 610,000 | 904,000 | 1,237,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 60,000 |
| Pretax income | 285,000 | 568,000 | 888,000 | 1,163,000 |
| Income tax | 106,000 | 211,000 | 331,000 | 411,000 |
| Net income | 179,000 | 357,000 | 557,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,160,000 | 9,308,000 | 9,508,000 | 9,313,000 |
| Total capital | 9,623,000 | 9,775,000 | 9,911,000 | 9,733,000 |
| Risk-weighted assets | 38,353,000 | 38,564,000 | 38,966,000 | 39,011,000 |