Call reports 2019
CLAY CITY BANKING CO., THE — 2019
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 142,860,000 | 141,590,000 | 149,516,000 | 153,061,000 |
| Total loans | 110,279,000 | 111,552,000 | 111,109,000 | 114,165,000 |
| Allowance for loan losses | 904,000 | 927,000 | 931,000 | 942,000 |
| Securities available for sale | 13,302,000 | 13,533,000 | 16,656,000 | 21,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,714,000 | 125,997,000 | 130,668,000 | 134,096,000 |
| Interest-bearing deposits | 105,769,000 | 104,760,000 | 109,259,000 | 110,089,000 |
| Noninterest-bearing deposits | 21,945,000 | 21,237,000 | 21,409,000 | 24,007,000 |
| Equity capital | 14,078,000 | 14,408,000 | 14,623,000 | 14,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,528,000 | 3,061,000 | 4,613,000 | 6,211,000 |
| Interest expense | 342,000 | 700,000 | 1,061,000 | 1,429,000 |
| Net interest income | 1,186,000 | 2,361,000 | 3,552,000 | 4,782,000 |
| Noninterest income | 302,000 | 622,000 | 930,000 | 1,255,000 |
| Noninterest expense | 1,247,000 | 2,362,000 | 3,570,000 | 4,763,000 |
| Provision for loan losses | 20,000 | 50,000 | 50,000 | 80,000 |
| Pretax income | 221,000 | 571,000 | 862,000 | 1,194,000 |
| Income tax | 43,000 | 120,000 | 183,000 | 255,000 |
| Net income | 178,000 | 451,000 | 679,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,078,000 | 14,244,000 | 14,436,000 | 14,611,000 |
| Total capital | 14,982,000 | 15,171,000 | 15,367,000 | 15,553,000 |
| Risk-weighted assets | 107,179,000 | 107,561,000 | 108,966,000 | 110,966,000 |