Call reports 2013
CLAY COUNTY STATE BANK — 2013
What CLAY COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,920,000 | 78,751,000 | 79,936,000 | 78,552,000 |
| Total loans | 32,309,000 | 34,572,000 | 36,377,000 | 37,496,000 |
| Allowance for loan losses | 767,000 | 763,000 | 760,000 | 758,000 |
| Securities available for sale | 38,743,000 | 38,948,000 | 39,398,000 | 35,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,055,000 | 66,353,000 | 67,553,000 | 66,197,000 |
| Interest-bearing deposits | 57,733,000 | 56,559,000 | 60,528,000 | 58,285,000 |
| Noninterest-bearing deposits | 9,322,000 | 9,794,000 | 7,025,000 | 7,912,000 |
| Equity capital | 10,273,000 | 9,781,000 | 9,753,000 | 9,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 588,000 | 1,205,000 | 1,842,000 | 2,512,000 |
| Interest expense | 135,000 | 263,000 | 384,000 | 505,000 |
| Net interest income | 453,000 | 942,000 | 1,458,000 | 2,007,000 |
| Noninterest income | 45,000 | 94,000 | 151,000 | 212,000 |
| Noninterest expense | 405,000 | 789,000 | 1,179,000 | 1,604,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 342,000 | 547,000 | 745,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 96,000 | 342,000 | 547,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,828,000 | 10,017,000 | 10,164,000 | 10,130,000 |
| Total capital | 10,303,000 | 10,516,000 | 10,687,000 | 10,657,000 |
| Risk-weighted assets | 37,720,000 | 39,626,000 | 41,585,000 | 42,041,000 |