Call reports 2009
CLAY COUNTY STATE BANK — 2009
What CLAY COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,254,000 | 69,740,000 | 71,047,000 | 65,794,000 |
| Total loans | 37,001,000 | 37,209,000 | 38,021,000 | 38,140,000 |
| Allowance for loan losses | 493,000 | 516,000 | 520,000 | 540,000 |
| Securities available for sale | 25,136,000 | 27,133,000 | 25,442,000 | 25,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,848,000 | 55,251,000 | 59,063,000 | 55,237,000 |
| Interest-bearing deposits | 47,670,000 | 48,740,000 | 52,928,000 | 48,504,000 |
| Noninterest-bearing deposits | 7,178,000 | 6,511,000 | 6,135,000 | 6,733,000 |
| Equity capital | 10,543,000 | 10,822,000 | 11,543,000 | 9,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,851,000 | 2,755,000 | 3,653,000 |
| Interest expense | 306,000 | 599,000 | 871,000 | 1,130,000 |
| Net interest income | 636,000 | 1,252,000 | 1,884,000 | 2,523,000 |
| Noninterest income | 42,000 | 86,000 | 140,000 | 188,000 |
| Noninterest expense | 388,000 | 787,000 | 1,184,000 | 3,990,000 |
| Provision for loan losses | 15,000 | 35,000 | 58,000 | 80,000 |
| Pretax income | 275,000 | 517,000 | 783,000 | -1,395,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 0 |
| Net income | 271,000 | 508,000 | 770,000 | -1,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,912,000 | 11,104,000 | 11,366,000 | 9,201,000 |
| Total capital | 11,405,000 | 11,620,000 | 11,886,000 | 9,721,000 |
| Risk-weighted assets | 41,822,000 | 41,797,000 | 42,543,000 | 41,574,000 |