Call reports 2019
CLAY COUNTY STATE BANK — 2019
What CLAY COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 76,521,000 | 73,862,000 | 78,476,000 | 75,744,000 |
| Total loans | 51,386,000 | 51,425,000 | 52,070,000 | 51,911,000 |
| Allowance for loan losses | 543,000 | 550,000 | 536,000 | 476,000 |
| Securities available for sale | 17,812,000 | 17,769,000 | 16,981,000 | 16,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 803,000 | 0 | 0 |
| Total deposits | 65,098,000 | 61,981,000 | 66,219,000 | 63,854,000 |
| Interest-bearing deposits | 55,870,000 | 53,528,000 | 57,714,000 | 54,133,000 |
| Noninterest-bearing deposits | 9,228,000 | 8,453,000 | 8,505,000 | 9,721,000 |
| Equity capital | 11,304,000 | 11,734,000 | 12,085,000 | 11,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 755,000 | 1,520,000 | 2,299,000 | 3,080,000 |
| Interest expense | 117,000 | 243,000 | 374,000 | 517,000 |
| Net interest income | 638,000 | 1,277,000 | 1,925,000 | 2,563,000 |
| Noninterest income | 62,000 | 125,000 | 196,000 | 272,000 |
| Noninterest expense | 441,000 | 891,000 | 1,334,000 | 1,811,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 23,000 |
| Pretax income | 251,000 | 496,000 | 764,000 | 1,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 251,000 | 496,000 | 764,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,721,000 | 11,911,000 | 12,123,000 | 11,670,000 |
| Total capital | 12,264,000 | 12,461,000 | 12,659,000 | 12,146,000 |
| Risk-weighted assets | 50,663,000 | 50,449,000 | 51,134,000 | 50,985,000 |