Call reports 2017
CLAY CITY BANKING CO., THE — 2017
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 133,284,000 | 133,257,000 | 135,421,000 | 139,692,000 |
| Total loans | 99,701,000 | 104,205,000 | 106,526,000 | 111,593,000 |
| Allowance for loan losses | 1,069,000 | 1,088,000 | 959,000 | 1,043,000 |
| Securities available for sale | 12,439,000 | 13,913,000 | 12,296,000 | 12,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,004,000 | 116,387,000 | 120,374,000 | 122,280,000 |
| Interest-bearing deposits | 101,752,000 | 98,034,000 | 102,347,000 | 101,952,000 |
| Noninterest-bearing deposits | 18,252,000 | 18,353,000 | 18,027,000 | 20,328,000 |
| Equity capital | 12,601,000 | 13,005,000 | 13,156,000 | 13,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,277,000 | 2,647,000 | 4,027,000 | 5,440,000 |
| Interest expense | 172,000 | 353,000 | 552,000 | 760,000 |
| Net interest income | 1,105,000 | 2,294,000 | 3,475,000 | 4,680,000 |
| Noninterest income | 246,000 | 487,000 | 710,000 | 948,000 |
| Noninterest expense | 944,000 | 1,892,000 | 2,991,000 | 4,062,000 |
| Provision for loan losses | 0 | 40,000 | 70,000 | 165,000 |
| Pretax income | 407,000 | 849,000 | 1,192,000 | 1,469,000 |
| Income tax | 140,000 | 281,000 | 407,000 | 327,000 |
| Net income | 267,000 | 568,000 | 785,000 | 1,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,609,000 | 12,910,000 | 13,122,000 | 13,428,000 |
| Total capital | 13,677,000 | 13,998,000 | 14,081,000 | 14,471,000 |
| Risk-weighted assets | 106,825,000 | 108,230,000 | 109,363,000 | 112,473,000 |