Call reports 2014
CLAY CITY BANKING CO., THE — 2014
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 121,299,000 | 121,060,000 | 123,846,000 | 125,498,000 |
| Total loans | 84,354,000 | 87,678,000 | 91,843,000 | 92,540,000 |
| Allowance for loan losses | 946,000 | 947,000 | 944,000 | 983,000 |
| Securities available for sale | 18,700,000 | 17,203,000 | 17,350,000 | 17,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,296,000 | 108,660,000 | 111,052,000 | 111,287,000 |
| Interest-bearing deposits | 91,296,000 | 92,287,000 | 96,286,000 | 94,894,000 |
| Noninterest-bearing deposits | 18,000,000 | 16,373,000 | 14,767,000 | 16,393,000 |
| Equity capital | 10,584,000 | 10,903,000 | 11,194,000 | 11,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,281,000 | 3,455,000 | 4,611,000 |
| Interest expense | 158,000 | 321,000 | 483,000 | 646,000 |
| Net interest income | 974,000 | 1,960,000 | 2,972,000 | 3,965,000 |
| Noninterest income | 213,000 | 467,000 | 707,000 | 920,000 |
| Noninterest expense | 898,000 | 1,791,000 | 2,592,000 | 3,576,000 |
| Provision for loan losses | 30,000 | 45,000 | 50,000 | 85,000 |
| Pretax income | 259,000 | 634,000 | 1,080,000 | 1,301,000 |
| Income tax | 78,000 | 206,000 | 355,000 | 424,000 |
| Net income | 181,000 | 428,000 | 725,000 | 877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,384,000 | 10,632,000 | 10,899,000 | 11,050,000 |
| Total capital | 11,330,000 | 11,580,000 | 11,843,000 | 12,033,000 |
| Risk-weighted assets | 87,064,000 | 89,178,000 | 92,871,000 | 95,603,000 |