Call reports 2008
CLAY CITY BANKING CO., THE — 2008
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,719,000 | 66,169,000 | 67,854,000 | 70,479,000 |
| Total loans | 40,023,000 | 42,030,000 | 44,336,000 | 43,424,000 |
| Allowance for loan losses | 537,000 | 538,000 | 542,000 | 646,000 |
| Securities available for sale | 16,945,000 | 16,514,000 | 16,868,000 | 20,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,889,000 | 57,601,000 | 55,061,000 | 61,501,000 |
| Interest-bearing deposits | 49,721,000 | 49,329,000 | 47,534,000 | 54,097,000 |
| Noninterest-bearing deposits | 8,167,000 | 8,272,000 | 7,527,000 | 7,404,000 |
| Equity capital | 8,165,000 | 8,036,000 | 8,155,000 | 8,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 959,000 | 1,883,000 | 2,826,000 | 3,741,000 |
| Interest expense | 418,000 | 819,000 | 1,190,000 | 1,543,000 |
| Net interest income | 541,000 | 1,064,000 | 1,636,000 | 2,198,000 |
| Noninterest income | 117,000 | 238,000 | 373,000 | 497,000 |
| Noninterest expense | 503,000 | 986,000 | 1,530,000 | 2,037,000 |
| Provision for loan losses | 0 | 40,000 | 80,000 | 170,000 |
| Pretax income | 155,000 | 267,000 | 390,000 | 479,000 |
| Income tax | 41,000 | 70,000 | 102,000 | 87,000 |
| Net income | 114,000 | 197,000 | 288,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,104,000 | 8,187,000 | 8,244,000 | 8,309,000 |
| Total capital | 8,641,000 | 8,725,000 | 8,786,000 | 8,906,000 |
| Risk-weighted assets | 48,758,000 | 46,380,000 | 48,452,000 | 47,750,000 |