Call reports 2003
CLAY CITY BANKING CO., THE — 2003
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,693,000 | 46,310,000 | 47,901,000 | 51,280,000 |
| Total loans | 32,508,000 | 34,589,000 | 34,078,000 | 33,230,000 |
| Allowance for loan losses | 488,000 | 484,000 | 477,000 | 518,000 |
| Securities available for sale | 8,687,000 | 7,592,000 | 8,255,000 | 13,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,561,000 | 39,115,000 | 40,771,000 | 42,172,000 |
| Interest-bearing deposits | 34,111,000 | 34,794,000 | 36,336,000 | 36,672,000 |
| Noninterest-bearing deposits | 4,450,000 | 4,321,000 | 4,435,000 | 5,501,000 |
| Equity capital | 6,785,000 | 6,826,000 | 6,774,000 | 6,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,258,000 | 1,875,000 | 2,490,000 |
| Interest expense | 208,000 | 412,000 | 612,000 | 795,000 |
| Net interest income | 433,000 | 846,000 | 1,263,000 | 1,695,000 |
| Noninterest income | 56,000 | 114,000 | 197,000 | 275,000 |
| Noninterest expense | 439,000 | 872,000 | 1,279,000 | 1,777,000 |
| Provision for loan losses | 15,000 | 30,000 | 92,000 | 144,000 |
| Pretax income | 35,000 | 58,000 | 89,000 | 129,000 |
| Income tax | 9,000 | 12,000 | 15,000 | 8,000 |
| Net income | 26,000 | 46,000 | 74,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,634,000 | 6,654,000 | 6,651,000 | 6,683,000 |
| Total capital | 7,053,000 | 7,095,000 | 7,102,000 | 7,135,000 |
| Risk-weighted assets | 33,479,000 | 35,272,000 | 36,027,000 | 36,115,000 |