Call reports 2016
CLAY COUNTY STATE BANK — 2016
What CLAY COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,076,000 | 84,158,000 | 83,942,000 | 78,283,000 |
| Total loans | 40,827,000 | 41,508,000 | 43,358,000 | 44,598,000 |
| Allowance for loan losses | 614,000 | 623,000 | 635,000 | 572,000 |
| Securities available for sale | 37,533,000 | 34,547,000 | 33,435,000 | 30,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,661,000 | 69,400,000 | 70,039,000 | 66,296,000 |
| Interest-bearing deposits | 54,699,000 | 57,011,000 | 59,805,000 | 54,992,000 |
| Noninterest-bearing deposits | 10,962,000 | 12,389,000 | 10,234,000 | 11,304,000 |
| Equity capital | 10,916,000 | 11,240,000 | 11,362,000 | 10,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,364,000 | 2,022,000 | 2,672,000 |
| Interest expense | 96,000 | 189,000 | 285,000 | 381,000 |
| Net interest income | 597,000 | 1,175,000 | 1,737,000 | 2,291,000 |
| Noninterest income | 58,000 | 127,000 | 197,000 | 264,000 |
| Noninterest expense | 408,000 | 813,000 | 1,217,000 | 1,667,000 |
| Provision for loan losses | 0 | 6,000 | 97,000 | 97,000 |
| Pretax income | 247,000 | 499,000 | 647,000 | 843,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 247,000 | 499,000 | 647,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,765,000 | 10,961,000 | 11,054,000 | 10,863,000 |
| Total capital | 11,317,000 | 11,514,000 | 11,630,000 | 11,435,000 |
| Risk-weighted assets | 44,068,000 | 44,207,000 | 46,037,000 | 46,778,000 |