Call reports 2017
CLAY COUNTY STATE BANK — 2017
What CLAY COUNTY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 75,989,000 | 75,332,000 | 76,760,000 | 77,416,000 |
| Total loans | 49,021,000 | 50,148,000 | 51,031,000 | 52,119,000 |
| Allowance for loan losses | 551,000 | 564,000 | 558,000 | 560,000 |
| Securities available for sale | 23,527,000 | 22,600,000 | 21,449,000 | 21,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,439,000 | 62,541,000 | 65,383,000 | 63,330,000 |
| Interest-bearing deposits | 54,063,000 | 53,357,000 | 56,900,000 | 53,466,000 |
| Noninterest-bearing deposits | 9,376,000 | 9,184,000 | 8,483,000 | 9,864,000 |
| Equity capital | 10,652,000 | 11,008,000 | 11,207,000 | 10,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 675,000 | 1,374,000 | 2,087,000 | 2,803,000 |
| Interest expense | 85,000 | 167,000 | 258,000 | 353,000 |
| Net interest income | 590,000 | 1,207,000 | 1,829,000 | 2,450,000 |
| Noninterest income | 55,000 | 114,000 | 179,000 | 249,000 |
| Noninterest expense | 404,000 | 824,000 | 1,236,000 | 1,679,000 |
| Provision for loan losses | 60,000 | 72,000 | 77,000 | 95,000 |
| Pretax income | 182,000 | 426,000 | 696,000 | 926,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 182,000 | 426,000 | 696,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,990,000 | 11,179,000 | 11,394,000 | 11,236,000 |
| Total capital | 11,541,000 | 11,743,000 | 11,952,000 | 11,796,000 |
| Risk-weighted assets | 50,094,000 | 50,880,000 | 51,562,000 | 52,996,000 |