Call reports 2007
CLAY CITY BANKING CO., THE — 2007
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,750,000 | 59,664,000 | 61,257,000 | 60,891,000 |
| Total loans | 40,645,000 | 41,798,000 | 41,416,000 | 41,258,000 |
| Allowance for loan losses | 560,000 | 552,000 | 604,000 | 544,000 |
| Securities available for sale | 11,905,000 | 11,928,000 | 14,065,000 | 13,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,825,000 | 50,869,000 | 51,492,000 | 52,322,000 |
| Interest-bearing deposits | 45,674,000 | 42,994,000 | 44,199,000 | 44,319,000 |
| Noninterest-bearing deposits | 7,151,000 | 7,875,000 | 7,293,000 | 8,003,000 |
| Equity capital | 7,506,000 | 7,629,000 | 7,934,000 | 7,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,874,000 | 3,022,000 | 4,011,000 |
| Interest expense | 376,000 | 752,000 | 1,152,000 | 1,552,000 |
| Net interest income | 548,000 | 1,122,000 | 1,870,000 | 2,459,000 |
| Noninterest income | 117,000 | 267,000 | 388,000 | 509,000 |
| Noninterest expense | 540,000 | 999,000 | 1,494,000 | 2,041,000 |
| Provision for loan losses | 5,000 | 5,000 | 56,000 | 96,000 |
| Pretax income | 120,000 | 385,000 | 708,000 | 831,000 |
| Income tax | 18,000 | 82,000 | 155,000 | 218,000 |
| Net income | 102,000 | 303,000 | 553,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,613,000 | 7,814,000 | 8,024,000 | 8,009,000 |
| Total capital | 8,173,000 | 8,366,000 | 8,601,000 | 8,553,000 |
| Risk-weighted assets | 46,561,000 | 46,216,000 | 46,147,000 | 45,050,000 |