Call reports 2004
CLAY CITY BANKING CO., THE — 2004
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,244,000 | 53,393,000 | 55,090,000 | 56,175,000 |
| Total loans | 31,824,000 | 33,168,000 | 35,665,000 | 37,652,000 |
| Allowance for loan losses | 498,000 | 509,000 | 508,000 | 553,000 |
| Securities available for sale | 15,446,000 | 16,085,000 | 15,392,000 | 14,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,251,000 | 41,420,000 | 43,302,000 | 45,431,000 |
| Interest-bearing deposits | 37,617,000 | 36,095,000 | 38,468,000 | 39,038,000 |
| Noninterest-bearing deposits | 5,634,000 | 5,325,000 | 4,834,000 | 6,393,000 |
| Equity capital | 6,914,000 | 6,681,000 | 6,857,000 | 6,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,289,000 | 1,967,000 | 2,694,000 |
| Interest expense | 183,000 | 367,000 | 559,000 | 770,000 |
| Net interest income | 443,000 | 922,000 | 1,408,000 | 1,924,000 |
| Noninterest income | 68,000 | 118,000 | 182,000 | 245,000 |
| Noninterest expense | 442,000 | 858,000 | 1,367,000 | 1,863,000 |
| Provision for loan losses | 22,000 | 23,000 | 33,000 | 73,000 |
| Pretax income | 47,000 | 159,000 | 190,000 | 209,000 |
| Income tax | 8,000 | 29,000 | 35,000 | 39,000 |
| Net income | 39,000 | 130,000 | 155,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,722,000 | 6,813,000 | 6,826,000 | 6,826,000 |
| Total capital | 7,180,000 | 7,292,000 | 7,333,000 | 7,354,000 |
| Risk-weighted assets | 36,604,000 | 38,301,000 | 40,598,000 | 42,278,000 |