Call reports 2008
CLAY COUNTY STATE BANK — 2008
What CLAY COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 72,034,000 | 72,019,000 | 73,327,000 | 67,874,000 |
| Total loans | 39,185,000 | 38,896,000 | 39,668,000 | 39,535,000 |
| Allowance for loan losses | 475,000 | 496,000 | 511,000 | 480,000 |
| Securities available for sale | 22,191,000 | 28,101,000 | 26,320,000 | 25,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,905,000 | 59,269,000 | 61,394,000 | 56,147,000 |
| Interest-bearing deposits | 52,578,000 | 52,281,000 | 55,294,000 | 49,189,000 |
| Noninterest-bearing deposits | 6,327,000 | 6,988,000 | 6,100,000 | 6,958,000 |
| Equity capital | 10,540,000 | 10,230,000 | 10,407,000 | 10,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,112,000 | 3,160,000 | 4,184,000 |
| Interest expense | 477,000 | 899,000 | 1,265,000 | 1,602,000 |
| Net interest income | 589,000 | 1,213,000 | 1,895,000 | 2,582,000 |
| Noninterest income | 49,000 | 91,000 | 157,000 | 221,000 |
| Noninterest expense | 379,000 | 740,000 | 1,112,000 | 1,498,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 235,000 |
| Pretax income | 245,000 | 537,000 | 898,000 | 1,073,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 13,000 |
| Net income | 240,000 | 528,000 | 884,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,554,000 | 10,753,000 | 11,021,000 | 10,754,000 |
| Total capital | 11,029,000 | 11,249,000 | 11,532,000 | 11,234,000 |
| Risk-weighted assets | 48,578,000 | 44,762,000 | 49,781,000 | 43,582,000 |