Call reports 2006
CLAY COUNTY STATE BANK — 2006
What CLAY COUNTY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,905,000 | 77,577,000 | 79,248,000 | 67,878,000 |
| Total loans | 36,383,000 | 38,185,000 | 39,367,000 | 38,887,000 |
| Allowance for loan losses | 421,000 | 434,000 | 438,000 | 404,000 |
| Securities available for sale | 20,795,000 | 20,904,000 | 20,700,000 | 23,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,897,000 | 65,691,000 | 66,742,000 | 53,943,000 |
| Interest-bearing deposits | 44,986,000 | 58,883,000 | 60,742,000 | 46,533,000 |
| Noninterest-bearing deposits | 5,911,000 | 6,808,000 | 6,000,000 | 7,410,000 |
| Equity capital | 9,214,000 | 9,194,000 | 9,701,000 | 9,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,977,000 | 3,178,000 | 4,249,000 |
| Interest expense | 283,000 | 735,000 | 1,289,000 | 1,739,000 |
| Net interest income | 608,000 | 1,242,000 | 1,889,000 | 2,510,000 |
| Noninterest income | 42,000 | 102,000 | 200,000 | 235,000 |
| Noninterest expense | 322,000 | 656,000 | 976,000 | 1,330,000 |
| Provision for loan losses | 10,000 | 21,000 | 32,000 | 196,000 |
| Pretax income | 320,000 | 669,000 | 1,075,000 | 1,213,000 |
| Income tax | 18,000 | 25,000 | 33,000 | 14,000 |
| Net income | 302,000 | 644,000 | 1,042,000 | 1,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,480,000 | 9,733,000 | 10,001,000 | 10,148,000 |
| Total capital | 9,901,000 | 10,167,000 | 10,439,000 | 10,552,000 |
| Risk-weighted assets | 40,289,000 | 45,044,000 | 46,502,000 | 43,767,000 |