Call reports 2007
CLAY COUNTY STATE BANK — 2007
What CLAY COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 68,379,000 | 67,424,000 | 69,135,000 | 67,407,000 |
| Total loans | 37,950,000 | 39,133,000 | 40,543,000 | 41,328,000 |
| Allowance for loan losses | 437,000 | 455,000 | 473,000 | 455,000 |
| Securities available for sale | 25,372,000 | 24,072,000 | 21,726,000 | 22,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,388,000 | 56,104,000 | 56,481,000 | 54,555,000 |
| Interest-bearing deposits | 47,123,000 | 48,174,000 | 34,433,000 | 47,686,000 |
| Noninterest-bearing deposits | 7,265,000 | 7,930,000 | 22,048,000 | 6,869,000 |
| Equity capital | 9,832,000 | 9,774,000 | 10,068,000 | 10,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,137,000 | 3,233,000 | 4,335,000 |
| Interest expense | 456,000 | 902,000 | 1,388,000 | 1,874,000 |
| Net interest income | 615,000 | 1,235,000 | 1,845,000 | 2,461,000 |
| Noninterest income | 53,000 | 111,000 | 171,000 | 222,000 |
| Noninterest expense | 358,000 | 708,000 | 1,053,000 | 1,418,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 295,000 | 608,000 | 918,000 | 1,184,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 5,000 |
| Net income | 289,000 | 595,000 | 899,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,993,000 | 10,198,000 | 10,384,000 | 10,428,000 |
| Total capital | 10,430,000 | 10,653,000 | 10,857,000 | 10,883,000 |
| Risk-weighted assets | 43,216,000 | 44,117,000 | 45,681,000 | 45,775,000 |