Call reports 2005
CLAY COUNTY STATE BANK — 2005
What CLAY COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,439,000 | 59,929,000 | 60,363,000 | 62,302,000 |
| Total loans | 33,733,000 | 35,065,000 | 36,811,000 | 36,368,000 |
| Allowance for loan losses | 432,000 | 385,000 | 398,000 | 411,000 |
| Securities available for sale | 21,861,000 | 21,856,000 | 19,581,000 | 20,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,217,000 | 49,651,000 | 49,897,000 | 51,847,000 |
| Interest-bearing deposits | 43,700,000 | 43,703,000 | 44,228,000 | 43,442,000 |
| Noninterest-bearing deposits | 5,517,000 | 5,948,000 | 5,669,000 | 8,405,000 |
| Equity capital | 9,473,000 | 9,633,000 | 9,786,000 | 9,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,592,000 | 2,439,000 | 3,321,000 |
| Interest expense | 209,000 | 439,000 | 695,000 | 972,000 |
| Net interest income | 576,000 | 1,153,000 | 1,744,000 | 2,349,000 |
| Noninterest income | 36,000 | 80,000 | 131,000 | 187,000 |
| Noninterest expense | 316,000 | 649,000 | 979,000 | 1,345,000 |
| Provision for loan losses | 11,000 | 21,000 | 31,000 | 92,000 |
| Pretax income | 285,000 | 563,000 | 856,000 | 1,075,000 |
| Income tax | 106,000 | 209,000 | 318,000 | 331,000 |
| Net income | 179,000 | 354,000 | 538,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,492,000 | 9,638,000 | 9,822,000 | 9,769,000 |
| Total capital | 9,924,000 | 10,023,000 | 10,220,000 | 10,180,000 |
| Risk-weighted assets | 38,241,000 | 39,323,000 | 41,016,000 | 40,990,000 |