Call reports 2002
CLAY CITY BANKING CO., THE — 2002
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,096,000 | 47,359,000 | 47,087,000 | 47,012,000 |
| Total loans | 27,456,000 | 31,144,000 | 32,143,000 | 33,875,000 |
| Allowance for loan losses | 368,000 | 386,000 | 420,000 | 487,000 |
| Securities available for sale | 14,997,000 | 13,351,000 | 11,662,000 | 9,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,229,000 | 38,256,000 | 39,258,000 | 38,654,000 |
| Interest-bearing deposits | 35,477,000 | 34,191,000 | 35,200,000 | 34,127,000 |
| Noninterest-bearing deposits | 3,752,000 | 4,065,000 | 4,058,000 | 4,527,000 |
| Equity capital | 6,644,000 | 6,798,000 | 6,752,000 | 6,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 715,000 | 1,414,000 | 2,109,000 | 2,789,000 |
| Interest expense | 284,000 | 554,000 | 817,000 | 1,055,000 |
| Net interest income | 431,000 | 860,000 | 1,292,000 | 1,734,000 |
| Noninterest income | 49,000 | 102,000 | 147,000 | 204,000 |
| Noninterest expense | 429,000 | 835,000 | 1,254,000 | 1,655,000 |
| Provision for loan losses | 15,000 | 30,000 | 109,000 | 196,000 |
| Pretax income | 36,000 | 97,000 | 76,000 | 123,000 |
| Income tax | 11,000 | 30,000 | 21,000 | 33,000 |
| Net income | 25,000 | 67,000 | 55,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,676,000 | 6,679,000 | 6,600,000 | 6,607,000 |
| Total capital | 7,021,000 | 7,065,000 | 7,007,000 | 7,039,000 |
| Risk-weighted assets | 27,557,000 | 30,857,000 | 32,528,000 | 34,488,000 |