Call reports 2012
CLAY COUNTY STATE BANK — 2012
What CLAY COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 78,045,000 | 75,915,000 | 79,533,000 | 80,095,000 |
| Total loans | 31,118,000 | 32,237,000 | 33,065,000 | 33,238,000 |
| Allowance for loan losses | 782,000 | 780,000 | 770,000 | 764,000 |
| Securities available for sale | 43,317,000 | 39,543,000 | 39,771,000 | 39,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,130,000 | 62,843,000 | 66,195,000 | 67,048,000 |
| Interest-bearing deposits | 55,987,000 | 55,023,000 | 57,236,000 | 56,323,000 |
| Noninterest-bearing deposits | 9,143,000 | 7,820,000 | 8,959,000 | 10,725,000 |
| Equity capital | 10,317,000 | 10,464,000 | 10,713,000 | 10,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,421,000 | 2,076,000 | 2,718,000 |
| Interest expense | 166,000 | 329,000 | 481,000 | 625,000 |
| Net interest income | 553,000 | 1,092,000 | 1,595,000 | 2,093,000 |
| Noninterest income | 50,000 | 101,000 | 155,000 | 223,000 |
| Noninterest expense | 388,000 | 767,000 | 1,125,000 | 1,511,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 179,000 | 384,000 | 608,000 | 782,000 |
| Income tax | 1,000 | 0 | 0 | 0 |
| Net income | 178,000 | 384,000 | 608,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,639,000 | 9,786,000 | 9,952,000 | 9,891,000 |
| Total capital | 10,098,000 | 10,250,000 | 10,422,000 | 10,376,000 |
| Risk-weighted assets | 36,357,000 | 36,772,000 | 37,728,000 | 38,455,000 |