Call reports 2022
CLAY COUNTY STATE BANK — 2022
What CLAY COUNTY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 113,492,000 | 109,650,000 | 115,805,000 | 107,183,000 |
| Total loans | 44,238,000 | 46,016,000 | 46,480,000 | 49,122,000 |
| Allowance for loan losses | 562,000 | 568,000 | 566,000 | 448,000 |
| Securities available for sale | 31,129,000 | 37,555,000 | 39,465,000 | 39,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,051,000 | 101,212,000 | 107,826,000 | 99,244,000 |
| Interest-bearing deposits | 82,330,000 | 83,100,000 | 91,831,000 | 82,094,000 |
| Noninterest-bearing deposits | 15,721,000 | 18,112,000 | 15,995,000 | 17,150,000 |
| Equity capital | 9,956,000 | 7,925,000 | 7,437,000 | 7,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,405,000 | 2,256,000 | 3,211,000 |
| Interest expense | 61,000 | 130,000 | 206,000 | 309,000 |
| Net interest income | 622,000 | 1,275,000 | 2,050,000 | 2,902,000 |
| Noninterest income | 48,000 | 93,000 | 252,000 | 309,000 |
| Noninterest expense | 486,000 | 962,000 | 1,444,000 | 1,932,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 184,000 | 406,000 | 858,000 | 1,277,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 184,000 | 406,000 | 858,000 | 1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,940,000 | 12,108,000 | 12,504,000 | 12,232,000 |