Call reports 2010
CLAY CITY BANKING CO., THE — 2010
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 77,184,000 | 76,846,000 | 76,530,000 | 81,755,000 |
| Total loans | 44,770,000 | 46,574,000 | 46,410,000 | 44,673,000 |
| Allowance for loan losses | 671,000 | 531,000 | 550,000 | 510,000 |
| Securities available for sale | 24,721,000 | 23,925,000 | 22,910,000 | 25,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,319,000 | 65,392,000 | 66,572,000 | 72,218,000 |
| Interest-bearing deposits | 58,747,000 | 56,879,000 | 57,850,000 | 61,827,000 |
| Noninterest-bearing deposits | 8,572,000 | 8,513,000 | 8,722,000 | 10,391,000 |
| Equity capital | 9,148,000 | 9,232,000 | 9,209,000 | 8,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,663,000 | 2,501,000 | 3,348,000 |
| Interest expense | 254,000 | 484,000 | 697,000 | 908,000 |
| Net interest income | 581,000 | 1,179,000 | 1,804,000 | 2,440,000 |
| Noninterest income | 136,000 | 349,000 | 491,000 | 645,000 |
| Noninterest expense | 570,000 | 1,214,000 | 1,817,000 | 2,469,000 |
| Provision for loan losses | 20,000 | 220,000 | 520,000 | 520,000 |
| Pretax income | 127,000 | 94,000 | -42,000 | 96,000 |
| Income tax | 23,000 | 17,000 | -8,000 | 17,000 |
| Net income | 104,000 | 77,000 | -34,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,784,000 | 8,757,000 | 8,646,000 | 8,699,000 |
| Total capital | 9,426,000 | 9,288,000 | 9,196,000 | 9,209,000 |
| Risk-weighted assets | 51,313,000 | 51,191,000 | 51,555,000 | 51,719,000 |