Call reports 2015
CLAY COUNTY STATE BANK — 2015
What CLAY COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 79,937,000 | 81,816,000 | 85,185,000 | 82,168,000 |
| Total loans | 37,820,000 | 38,933,000 | 40,520,000 | 41,995,000 |
| Allowance for loan losses | 614,000 | 614,000 | 615,000 | 578,000 |
| Securities available for sale | 35,668,000 | 37,004,000 | 37,701,000 | 36,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,989,000 | 63,304,000 | 67,426,000 | 65,598,000 |
| Interest-bearing deposits | 56,289,000 | 55,093,000 | 59,366,000 | 56,608,000 |
| Noninterest-bearing deposits | 8,700,000 | 8,211,000 | 8,060,000 | 8,990,000 |
| Equity capital | 10,697,000 | 10,683,000 | 10,808,000 | 10,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,301,000 | 1,967,000 | 2,660,000 |
| Interest expense | 98,000 | 197,000 | 303,000 | 407,000 |
| Net interest income | 564,000 | 1,104,000 | 1,664,000 | 2,253,000 |
| Noninterest income | 57,000 | 120,000 | 188,000 | 253,000 |
| Noninterest expense | 421,000 | 837,000 | 1,240,000 | 1,657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 404,000 | 671,000 | 908,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 404,000 | 671,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,373,000 | 10,564,000 | 10,740,000 | 10,634,000 |
| Total capital | 10,891,000 | 11,093,000 | 11,293,000 | 11,205,000 |
| Risk-weighted assets | 41,391,000 | 42,213,000 | 44,200,000 | 45,707,000 |