Call reports 2011
CLAY COUNTY STATE BANK — 2011
What CLAY COUNTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 75,533,000 | 75,678,000 | 76,582,000 | 76,789,000 |
| Total loans | 32,896,000 | 32,570,000 | 33,540,000 | 32,160,000 |
| Allowance for loan losses | 700,000 | 765,000 | 776,000 | 781,000 |
| Securities available for sale | 35,933,000 | 39,339,000 | 40,874,000 | 42,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,541,000 | 62,229,000 | 62,851,000 | 63,343,000 |
| Interest-bearing deposits | 54,033,000 | 52,877,000 | 54,482,000 | 53,172,000 |
| Noninterest-bearing deposits | 8,508,000 | 9,352,000 | 8,369,000 | 10,171,000 |
| Equity capital | 9,697,000 | 10,144,000 | 10,504,000 | 10,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,605,000 | 2,403,000 | 3,156,000 |
| Interest expense | 202,000 | 397,000 | 595,000 | 783,000 |
| Net interest income | 595,000 | 1,208,000 | 1,808,000 | 2,373,000 |
| Noninterest income | 52,000 | 101,000 | 161,000 | 218,000 |
| Noninterest expense | 419,000 | 803,000 | 1,208,000 | 1,619,000 |
| Provision for loan losses | 23,000 | 38,000 | 53,000 | 68,000 |
| Pretax income | 195,000 | 450,000 | 693,000 | 883,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 17,000 |
| Net income | 191,000 | 441,000 | 680,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,288,000 | 9,496,000 | 9,706,000 | 9,535,000 |
| Total capital | 9,768,000 | 9,963,000 | 10,180,000 | 9,997,000 |
| Risk-weighted assets | 38,151,000 | 37,095,000 | 36,987,000 | 36,607,000 |