Call reports 2025
CLAY COUNTY STATE BANK — 2025
What CLAY COUNTY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 105,030,000 | 100,588,000 | 103,486,000 | 105,709,000 |
| Total loans | 46,090,000 | 46,675,000 | 46,790,000 | 46,965,000 |
| Allowance for loan losses | 454,000 | 453,000 | 445,000 | 465,000 |
| Securities available for sale | 34,434,000 | 36,060,000 | 35,725,000 | 37,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,089,000 | 89,189,000 | 91,021,000 | 93,330,000 |
| Interest-bearing deposits | 80,929,000 | 75,714,000 | 76,956,000 | 76,297,000 |
| Noninterest-bearing deposits | 13,160,000 | 13,475,000 | 14,065,000 | 17,033,000 |
| Equity capital | 10,335,000 | 10,782,000 | 11,821,000 | 11,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,171,000 | 2,360,000 | 3,490,000 | 4,728,000 |
| Interest expense | 347,000 | 676,000 | 992,000 | 1,323,000 |
| Net interest income | 824,000 | 1,684,000 | 2,498,000 | 3,405,000 |
| Noninterest income | 45,000 | 88,000 | 144,000 | 199,000 |
| Noninterest expense | 546,000 | 1,073,000 | 1,640,000 | 2,206,000 |
| Provision for loan losses | 0 | 0 | 33,000 | 33,000 |
| Pretax income | 323,000 | 690,000 | 960,000 | 1,356,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 323,000 | 690,000 | 960,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,379,000 | 13,690,000 | 13,905,000 | 13,555,000 |