Call reports 2023
CLAY COUNTY STATE BANK — 2023
What CLAY COUNTY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 107,423,000 | 109,011,000 | 110,176,000 | 103,803,000 |
| Total loans | 47,787,000 | 48,161,000 | 47,395,000 | 49,353,000 |
| Allowance for loan losses | 451,000 | 463,000 | 477,000 | 512,000 |
| Securities available for sale | 35,653,000 | 33,479,000 | 31,368,000 | 34,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,209,000 | 100,488,000 | 101,755,000 | 94,539,000 |
| Interest-bearing deposits | 84,429,000 | 82,034,000 | 86,466,000 | 78,879,000 |
| Noninterest-bearing deposits | 14,780,000 | 18,454,000 | 15,289,000 | 15,660,000 |
| Equity capital | 7,688,000 | 7,959,000 | 7,811,000 | 8,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 2,024,000 | 3,084,000 | 4,235,000 |
| Interest expense | 137,000 | 306,000 | 504,000 | 839,000 |
| Net interest income | 840,000 | 1,718,000 | 2,580,000 | 3,396,000 |
| Noninterest income | 55,000 | 111,000 | 173,000 | 236,000 |
| Noninterest expense | 487,000 | 971,000 | 1,476,000 | 2,069,000 |
| Provision for loan losses | 3,000 | 15,000 | 27,000 | 31,000 |
| Pretax income | 243,000 | 681,000 | 1,088,000 | 1,362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 243,000 | 681,000 | 1,088,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,420,000 | 12,802,000 | 13,154,000 | 12,737,000 |