Call reports 2011
CLAY CITY BANKING CO., THE — 2011
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 82,283,000 | 83,240,000 | 86,918,000 | 95,851,000 |
| Total loans | 42,156,000 | 46,776,000 | 52,287,000 | 60,936,000 |
| Allowance for loan losses | 525,000 | 522,000 | 703,000 | 728,000 |
| Securities available for sale | 29,947,000 | 29,235,000 | 26,346,000 | 25,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,498,000 | 72,117,000 | 76,371,000 | 77,186,000 |
| Interest-bearing deposits | 61,673,000 | 61,762,000 | 66,182,000 | 64,475,000 |
| Noninterest-bearing deposits | 10,825,000 | 10,355,000 | 10,189,000 | 12,711,000 |
| Equity capital | 9,245,000 | 9,678,000 | 9,762,000 | 9,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,640,000 | 2,530,000 | 3,452,000 |
| Interest expense | 200,000 | 386,000 | 572,000 | 751,000 |
| Net interest income | 616,000 | 1,254,000 | 1,958,000 | 2,701,000 |
| Noninterest income | 147,000 | 306,000 | 468,000 | 701,000 |
| Noninterest expense | 629,000 | 1,325,000 | 1,987,000 | 2,825,000 |
| Provision for loan losses | 16,000 | 16,000 | 199,000 | 224,000 |
| Pretax income | 118,000 | 252,000 | 505,000 | 618,000 |
| Income tax | -86,000 | -78,000 | -28,000 | 5,000 |
| Net income | 204,000 | 330,000 | 533,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,903,000 | 9,029,000 | 9,202,000 | 9,206,000 |
| Total capital | 9,428,000 | 9,551,000 | 9,905,000 | 9,934,000 |
| Risk-weighted assets | 49,746,000 | 53,722,000 | 57,905,000 | 66,461,000 |