Call reports 2012
CLAY CITY BANKING CO., THE — 2012
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 94,549,000 | 98,635,000 | 101,641,000 | 117,515,000 |
| Total loans | 58,455,000 | 65,015,000 | 66,979,000 | 70,129,000 |
| Allowance for loan losses | 754,000 | 753,000 | 747,000 | 870,000 |
| Securities available for sale | 24,773,000 | 23,550,000 | 21,356,000 | 19,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,864,000 | 84,453,000 | 87,442,000 | 106,315,000 |
| Interest-bearing deposits | 67,955,000 | 71,581,000 | 74,642,000 | 82,882,000 |
| Noninterest-bearing deposits | 12,909,000 | 12,872,000 | 12,800,000 | 23,433,000 |
| Equity capital | 9,865,000 | 9,983,000 | 10,179,000 | 10,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,862,000 | 2,827,000 | 3,800,000 |
| Interest expense | 174,000 | 355,000 | 531,000 | 725,000 |
| Net interest income | 751,000 | 1,507,000 | 2,296,000 | 3,075,000 |
| Noninterest income | 210,000 | 471,000 | 718,000 | 987,000 |
| Noninterest expense | 786,000 | 1,601,000 | 2,515,000 | 3,556,000 |
| Provision for loan losses | 20,000 | 70,000 | 70,000 | 195,000 |
| Pretax income | 155,000 | 351,000 | 567,000 | 649,000 |
| Income tax | 26,000 | 62,000 | 109,000 | 153,000 |
| Net income | 129,000 | 289,000 | 458,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,336,000 | 9,496,000 | 9,645,000 | 9,652,000 |
| Total capital | 10,090,000 | 10,249,000 | 10,392,000 | 10,522,000 |
| Risk-weighted assets | 64,522,000 | 70,473,000 | 71,711,000 | 77,035,000 |