Call reports 2020
CLAY COUNTY STATE BANK — 2020
What CLAY COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 79,876,000 | 86,182,000 | 90,122,000 | 95,607,000 |
| Total loans | 50,259,000 | 51,501,000 | 52,048,000 | 51,415,000 |
| Allowance for loan losses | 484,000 | 492,000 | 499,000 | 502,000 |
| Securities available for sale | 16,217,000 | 17,228,000 | 17,164,000 | 19,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,692,000 | 69,330,000 | 72,874,000 | 78,861,000 |
| Interest-bearing deposits | 58,781,000 | 59,185,000 | 62,642,000 | 63,216,000 |
| Noninterest-bearing deposits | 8,912,000 | 10,145,000 | 10,232,000 | 15,645,000 |
| Equity capital | 11,791,000 | 12,428,000 | 12,677,000 | 12,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,524,000 | 2,253,000 | 2,948,000 |
| Interest expense | 135,000 | 249,000 | 343,000 | 417,000 |
| Net interest income | 621,000 | 1,275,000 | 1,910,000 | 2,531,000 |
| Noninterest income | 58,000 | 101,000 | 149,000 | 191,000 |
| Noninterest expense | 453,000 | 890,000 | 1,348,000 | 1,817,000 |
| Provision for loan losses | 7,000 | 13,000 | 21,000 | 27,000 |
| Pretax income | 219,000 | 473,000 | 690,000 | 878,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 473,000 | 690,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,831,000 | 12,030,000 | 12,192,000 | 11,689,000 |