Call reports 2020
CLAY CITY BANKING CO., THE — 2020
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 158,652,000 | 166,873,000 | 169,881,000 | 170,826,000 |
| Total loans | 112,605,000 | 118,543,000 | 123,141,000 | 129,246,000 |
| Allowance for loan losses | 950,000 | 975,000 | 993,000 | 1,007,000 |
| Securities available for sale | 23,249,000 | 25,963,000 | 24,272,000 | 24,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,237,000 | 146,717,000 | 149,600,000 | 149,787,000 |
| Interest-bearing deposits | 114,830,000 | 118,414,000 | 122,171,000 | 122,926,000 |
| Noninterest-bearing deposits | 24,407,000 | 28,303,000 | 27,429,000 | 26,861,000 |
| Equity capital | 15,195,000 | 15,669,000 | 15,868,000 | 16,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,108,000 | 4,592,000 | 6,077,000 |
| Interest expense | 323,000 | 572,000 | 770,000 | 941,000 |
| Net interest income | 1,273,000 | 2,536,000 | 3,822,000 | 5,136,000 |
| Noninterest income | 319,000 | 617,000 | 972,000 | 1,404,000 |
| Noninterest expense | 1,315,000 | 2,538,000 | 3,880,000 | 5,170,000 |
| Provision for loan losses | 30,000 | 50,000 | 70,000 | 140,000 |
| Pretax income | 247,000 | 565,000 | 844,000 | 1,230,000 |
| Income tax | 50,000 | 118,000 | 175,000 | 263,000 |
| Net income | 197,000 | 447,000 | 669,000 | 967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,783,000 | 15,034,000 | 15,225,000 | 15,523,000 |
| Total capital | 15,733,000 | 16,009,000 | 16,218,000 | 16,530,000 |
| Risk-weighted assets | 116,905,000 | 120,002,000 | 123,561,000 | 125,324,000 |