Call reports 2005
CLAY CITY BANKING CO., THE — 2005
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,455,000 | 55,799,000 | 55,582,000 | 56,213,000 |
| Total loans | 36,560,000 | 38,248,000 | 39,093,000 | 40,159,000 |
| Allowance for loan losses | 554,000 | 562,000 | 565,000 | 549,000 |
| Securities available for sale | 13,952,000 | 13,778,000 | 10,585,000 | 10,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,078,000 | 43,404,000 | 46,025,000 | 47,601,000 |
| Interest-bearing deposits | 38,853,000 | 37,294,000 | 39,838,000 | 40,126,000 |
| Noninterest-bearing deposits | 7,225,000 | 6,110,000 | 6,187,000 | 7,475,000 |
| Equity capital | 6,726,000 | 6,914,000 | 6,956,000 | 6,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,475,000 | 2,266,000 | 3,044,000 |
| Interest expense | 211,000 | 440,000 | 703,000 | 966,000 |
| Net interest income | 508,000 | 1,035,000 | 1,563,000 | 2,078,000 |
| Noninterest income | 69,000 | 148,000 | 237,000 | 335,000 |
| Noninterest expense | 514,000 | 957,000 | 1,464,000 | 1,897,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 63,000 | 226,000 | 333,000 | 508,000 |
| Income tax | 10,000 | 42,000 | 62,000 | 146,000 |
| Net income | 53,000 | 184,000 | 271,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,879,000 | 6,973,000 | 7,059,000 | 7,111,000 |
| Total capital | 7,382,000 | 7,481,000 | 7,607,000 | 7,660,000 |
| Risk-weighted assets | 40,166,000 | 40,595,000 | 43,852,000 | 45,737,000 |