Call reports 2018
CLAY CITY BANKING CO., THE — 2018
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 137,904,000 | 142,798,000 | 139,529,000 | 143,322,000 |
| Total loans | 108,311,000 | 110,466,000 | 113,372,000 | 114,060,000 |
| Allowance for loan losses | 985,000 | 963,000 | 975,000 | 899,000 |
| Securities available for sale | 11,997,000 | 12,202,000 | 11,784,000 | 12,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,599,000 | 128,126,000 | 122,707,000 | 124,022,000 |
| Interest-bearing deposits | 102,509,000 | 107,334,000 | 102,899,000 | 102,669,000 |
| Noninterest-bearing deposits | 21,090,000 | 20,792,000 | 19,808,000 | 21,353,000 |
| Equity capital | 13,438,000 | 13,712,000 | 13,770,000 | 13,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,398,000 | 2,848,000 | 4,340,000 | 5,893,000 |
| Interest expense | 213,000 | 453,000 | 729,000 | 1,054,000 |
| Net interest income | 1,185,000 | 2,395,000 | 3,611,000 | 4,839,000 |
| Noninterest income | 256,000 | 514,000 | 762,000 | 784,000 |
| Noninterest expense | 1,102,000 | 2,222,000 | 3,408,000 | 4,311,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 485,000 |
| Pretax income | 346,000 | 693,000 | 947,000 | 834,000 |
| Income tax | 86,000 | 157,000 | 212,000 | 157,000 |
| Net income | 260,000 | 536,000 | 735,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,636,000 | 13,913,000 | 14,017,000 | 13,943,000 |
| Total capital | 14,621,000 | 14,876,000 | 14,992,000 | 14,842,000 |
| Risk-weighted assets | 106,434,000 | 108,655,000 | 107,347,000 | 108,230,000 |