Call reports 2014
CLAY COUNTY STATE BANK — 2014
What CLAY COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,924,000 | 78,521,000 | 82,376,000 | 79,580,000 |
| Total loans | 35,250,000 | 36,755,000 | 38,699,000 | 39,241,000 |
| Allowance for loan losses | 783,000 | 776,000 | 773,000 | 728,000 |
| Securities available for sale | 40,628,000 | 39,613,000 | 36,348,000 | 36,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,349,000 | 65,359,000 | 69,066,000 | 64,864,000 |
| Interest-bearing deposits | 58,892,000 | 57,846,000 | 61,731,000 | 55,192,000 |
| Noninterest-bearing deposits | 8,457,000 | 7,513,000 | 7,335,000 | 9,672,000 |
| Equity capital | 9,992,000 | 10,638,000 | 10,763,000 | 10,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,332,000 | 2,018,000 | 2,692,000 |
| Interest expense | 111,000 | 218,000 | 326,000 | 432,000 |
| Net interest income | 555,000 | 1,114,000 | 1,692,000 | 2,260,000 |
| Noninterest income | 58,000 | 141,000 | 215,000 | 289,000 |
| Noninterest expense | 408,000 | 797,000 | 1,202,000 | 1,650,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 205,000 | 458,000 | 770,000 | 964,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 458,000 | 770,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,277,000 | 10,472,000 | 10,784,000 | 10,173,000 |
| Total capital | 10,768,000 | 10,984,000 | 11,310,000 | 10,696,000 |
| Risk-weighted assets | 41,436,000 | 40,726,000 | 41,850,000 | 42,236,000 |