Call reports 2021
CLAY COUNTY STATE BANK — 2021
What CLAY COUNTY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 96,112,000 | 96,193,000 | 97,734,000 | 106,365,000 |
| Total loans | 49,008,000 | 48,988,000 | 47,572,000 | 48,416,000 |
| Allowance for loan losses | 501,000 | 491,000 | 505,000 | 554,000 |
| Securities available for sale | 19,775,000 | 21,112,000 | 23,565,000 | 26,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,410,000 | 78,419,000 | 79,842,000 | 89,233,000 |
| Interest-bearing deposits | 65,486,000 | 65,573,000 | 66,876,000 | 75,400,000 |
| Noninterest-bearing deposits | 13,924,000 | 12,846,000 | 12,966,000 | 13,833,000 |
| Equity capital | 12,254,000 | 12,292,000 | 12,392,000 | 11,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 801,000 | 1,487,000 | 2,140,000 | 2,806,000 |
| Interest expense | 66,000 | 127,000 | 193,000 | 260,000 |
| Net interest income | 735,000 | 1,360,000 | 1,947,000 | 2,546,000 |
| Noninterest income | 43,000 | 85,000 | 138,000 | 191,000 |
| Noninterest expense | 463,000 | 928,000 | 1,390,000 | 1,879,000 |
| Provision for loan losses | 6,000 | 12,000 | 25,000 | 27,000 |
| Pretax income | 309,000 | 505,000 | 680,000 | 841,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 505,000 | 680,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,943,000 | 12,083,000 | 12,203,000 | 11,812,000 |