Call reports 2001
CLAY CITY BANKING CO., THE — 2001
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 40,837,000 | 41,204,000 | 41,892,000 | 45,561,000 |
| Total loans | 20,110,000 | 23,852,000 | 27,220,000 | 27,404,000 |
| Allowance for loan losses | 270,000 | 281,000 | 265,000 | 335,000 |
| Securities available for sale | 4,818,000 | 4,827,000 | 4,468,000 | 15,418,000 |
| Securities held to maturity | 9,831,000 | 6,829,000 | 6,117,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,806,000 | 34,164,000 | 34,650,000 | 38,537,000 |
| Interest-bearing deposits | 30,458,000 | 30,095,000 | 30,766,000 | 34,206,000 |
| Noninterest-bearing deposits | 3,348,000 | 4,069,000 | 3,884,000 | 4,331,000 |
| Equity capital | 6,784,000 | 6,817,000 | 6,911,000 | 6,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,441,000 | 2,153,000 | 2,871,000 |
| Interest expense | 372,000 | 727,000 | 1,048,000 | 1,354,000 |
| Net interest income | 356,000 | 714,000 | 1,105,000 | 1,517,000 |
| Noninterest income | 45,000 | 91,000 | 144,000 | 198,000 |
| Noninterest expense | 362,000 | 695,000 | 1,074,000 | 1,600,000 |
| Provision for loan losses | 0 | 20,000 | 35,000 | 109,000 |
| Pretax income | 39,000 | 90,000 | 140,000 | 6,000 |
| Income tax | 11,000 | 25,000 | 41,000 | -6,000 |
| Net income | 28,000 | 65,000 | 99,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,756,000 | 6,777,000 | 6,811,000 | 6,677,000 |
| Total capital | 7,023,000 | 7,058,000 | 7,076,000 | 7,012,000 |
| Risk-weighted assets | 21,333,000 | 23,784,000 | 26,665,000 | 27,016,000 |