Call reports 2016
CLAY CITY BANKING CO., THE — 2016
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,785,000 | 136,403,000 | 134,932,000 | 134,959,000 |
| Total loans | 103,342,000 | 106,432,000 | 105,895,000 | 105,751,000 |
| Allowance for loan losses | 993,000 | 935,000 | 1,022,000 | 1,100,000 |
| Securities available for sale | 12,279,000 | 13,568,000 | 11,243,000 | 10,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,785,000 | 117,380,000 | 118,847,000 | 119,013,000 |
| Interest-bearing deposits | 99,076,000 | 100,704,000 | 101,668,000 | 100,764,000 |
| Noninterest-bearing deposits | 17,709,000 | 16,676,000 | 17,179,000 | 18,249,000 |
| Equity capital | 12,121,000 | 12,174,000 | 12,172,000 | 12,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,288,000 | 2,599,000 | 3,932,000 | 5,233,000 |
| Interest expense | 173,000 | 351,000 | 532,000 | 709,000 |
| Net interest income | 1,115,000 | 2,248,000 | 3,400,000 | 4,524,000 |
| Noninterest income | 223,000 | 462,000 | 680,000 | 1,049,000 |
| Noninterest expense | 1,009,000 | 2,090,000 | 3,303,000 | 4,259,000 |
| Provision for loan losses | 25,000 | 50,000 | 110,000 | 210,000 |
| Pretax income | 305,000 | 571,000 | 668,000 | 1,129,000 |
| Income tax | 74,000 | 134,000 | 128,000 | 164,000 |
| Net income | 231,000 | 437,000 | 540,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,955,000 | 11,906,000 | 11,951,000 | 12,352,000 |
| Total capital | 12,948,000 | 12,841,000 | 12,973,000 | 13,452,000 |
| Risk-weighted assets | 108,325,000 | 110,848,000 | 109,748,000 | 109,879,000 |