Call reports 2006
CLAY CITY BANKING CO., THE — 2006
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 57,552,000 | 56,619,000 | 58,074,000 | 59,213,000 |
| Total loans | 40,873,000 | 39,934,000 | 40,959,000 | 40,748,000 |
| Allowance for loan losses | 556,000 | 525,000 | 541,000 | 554,000 |
| Securities available for sale | 10,863,000 | 10,509,000 | 11,398,000 | 12,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,717,000 | 46,318,000 | 48,763,000 | 50,285,000 |
| Interest-bearing deposits | 39,834,000 | 38,876,000 | 42,079,000 | 42,997,000 |
| Noninterest-bearing deposits | 6,883,000 | 7,442,000 | 6,684,000 | 7,287,000 |
| Equity capital | 7,022,000 | 6,973,000 | 7,201,000 | 7,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 811,000 | 1,626,000 | 2,502,000 | 3,411,000 |
| Interest expense | 289,000 | 597,000 | 937,000 | 1,294,000 |
| Net interest income | 522,000 | 1,029,000 | 1,565,000 | 2,117,000 |
| Noninterest income | 115,000 | 228,000 | 341,000 | 465,000 |
| Noninterest expense | 463,000 | 952,000 | 1,459,000 | 1,930,000 |
| Provision for loan losses | 30,000 | 70,000 | 85,000 | 100,000 |
| Pretax income | 144,000 | 235,000 | 362,000 | 552,000 |
| Income tax | 25,000 | 70,000 | 109,000 | 92,000 |
| Net income | 119,000 | 165,000 | 253,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,230,000 | 7,276,000 | 7,364,000 | 7,511,000 |
| Total capital | 7,786,000 | 7,801,000 | 7,905,000 | 8,065,000 |
| Risk-weighted assets | 46,323,000 | 45,749,000 | 46,580,000 | 46,939,000 |