Call reports 2010
CLAY COUNTY STATE BANK — 2010
What CLAY COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 67,102,000 | 69,228,000 | 72,932,000 | 74,528,000 |
| Total loans | 35,773,000 | 36,297,000 | 36,756,000 | 36,818,000 |
| Allowance for loan losses | 561,000 | 522,000 | 532,000 | 670,000 |
| Securities available for sale | 23,817,000 | 26,920,000 | 27,963,000 | 31,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,963,000 | 59,205,000 | 62,855,000 | 61,600,000 |
| Interest-bearing deposits | 50,197,000 | 52,957,000 | 56,450,000 | 53,008,000 |
| Noninterest-bearing deposits | 6,766,000 | 6,248,000 | 6,405,000 | 8,592,000 |
| Equity capital | 9,715,000 | 9,616,000 | 9,650,000 | 9,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,657,000 | 2,479,000 | 3,300,000 |
| Interest expense | 230,000 | 463,000 | 698,000 | 929,000 |
| Net interest income | 617,000 | 1,194,000 | 1,781,000 | 2,371,000 |
| Noninterest income | 46,000 | 105,000 | 178,000 | 262,000 |
| Noninterest expense | 430,000 | 1,198,000 | 1,570,000 | 2,009,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 190,000 |
| Pretax income | 205,000 | 46,000 | 289,000 | 294,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 17,000 |
| Net income | 201,000 | 37,000 | 276,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,343,000 | 9,113,000 | 9,288,000 | 9,126,000 |
| Total capital | 9,844,000 | 9,621,000 | 9,805,000 | 9,647,000 |
| Risk-weighted assets | 39,996,000 | 40,525,000 | 41,382,000 | 41,570,000 |