Call reports 2018
CLAY COUNTY STATE BANK — 2018
What CLAY COUNTY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 77,035,000 | 75,789,000 | 79,882,000 | 76,214,000 |
| Total loans | 50,584,000 | 50,650,000 | 52,150,000 | 52,423,000 |
| Allowance for loan losses | 567,000 | 552,000 | 560,000 | 541,000 |
| Securities available for sale | 22,269,000 | 21,215,000 | 20,097,000 | 18,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,129,000 | 62,728,000 | 66,689,000 | 65,099,000 |
| Interest-bearing deposits | 52,474,000 | 53,780,000 | 58,142,000 | 55,679,000 |
| Noninterest-bearing deposits | 9,655,000 | 8,948,000 | 8,547,000 | 9,420,000 |
| Equity capital | 10,792,000 | 10,913,000 | 11,018,000 | 10,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,434,000 | 2,183,000 | 2,946,000 |
| Interest expense | 89,000 | 181,000 | 291,000 | 410,000 |
| Net interest income | 624,000 | 1,253,000 | 1,892,000 | 2,536,000 |
| Noninterest income | 56,000 | 105,000 | 179,000 | 284,000 |
| Noninterest expense | 436,000 | 857,000 | 1,321,000 | 1,783,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 236,000 | 486,000 | 727,000 | 1,007,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 486,000 | 727,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,417,000 | 11,612,000 | 11,797,000 | 11,525,000 |
| Total capital | 11,984,000 | 12,164,000 | 12,357,000 | 12,066,000 |
| Risk-weighted assets | 57,089,000 | 51,327,000 | 58,425,000 | 51,868,000 |