Call reports 2009
CLAY CITY BANKING CO., THE — 2009
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 73,229,000 | 73,671,000 | 77,391,000 | 76,409,000 |
| Total loans | 41,179,000 | 43,101,000 | 45,858,000 | 46,717,000 |
| Allowance for loan losses | 647,000 | 649,000 | 626,000 | 651,000 |
| Securities available for sale | 22,516,000 | 24,491,000 | 24,215,000 | 23,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,000,000 | 64,341,000 | 67,456,000 | 66,693,000 |
| Interest-bearing deposits | 56,280,000 | 56,855,000 | 60,204,000 | 57,738,000 |
| Noninterest-bearing deposits | 7,720,000 | 7,486,000 | 7,252,000 | 8,955,000 |
| Equity capital | 8,615,000 | 8,709,000 | 9,164,000 | 9,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 864,000 | 1,688,000 | 2,557,000 | 3,420,000 |
| Interest expense | 330,000 | 642,000 | 935,000 | 1,212,000 |
| Net interest income | 534,000 | 1,046,000 | 1,622,000 | 2,208,000 |
| Noninterest income | 169,000 | 331,000 | 460,000 | 628,000 |
| Noninterest expense | 491,000 | 1,061,000 | 1,632,000 | 2,254,000 |
| Provision for loan losses | 14,000 | 14,000 | 14,000 | 49,000 |
| Pretax income | 198,000 | 377,000 | 511,000 | 617,000 |
| Income tax | 50,000 | 87,000 | 124,000 | 130,000 |
| Net income | 148,000 | 290,000 | 387,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,457,000 | 8,599,000 | 8,666,000 | 8,680,000 |
| Total capital | 9,034,000 | 9,200,000 | 9,292,000 | 9,320,000 |
| Risk-weighted assets | 46,096,000 | 48,043,000 | 50,621,000 | 51,160,000 |