Call reports 2021
CLAY CITY BANKING CO., THE — 2021
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 187,485,000 | 190,553,000 | 192,378,000 | 196,975,000 |
| Total loans | 124,623,000 | 125,632,000 | 124,360,000 | 134,098,000 |
| Allowance for loan losses | 1,017,000 | 1,026,000 | 1,029,000 | 1,037,000 |
| Securities available for sale | 28,579,000 | 35,110,000 | 40,072,000 | 44,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,797,000 | 169,059,000 | 170,652,000 | 175,437,000 |
| Interest-bearing deposits | 134,108,000 | 135,118,000 | 137,321,000 | 140,425,000 |
| Noninterest-bearing deposits | 32,689,000 | 33,941,000 | 33,331,000 | 35,012,000 |
| Equity capital | 16,181,000 | 16,615,000 | 17,124,000 | 17,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 2,913,000 | 4,458,000 | 5,995,000 |
| Interest expense | 152,000 | 300,000 | 442,000 | 584,000 |
| Net interest income | 1,287,000 | 2,613,000 | 4,016,000 | 5,411,000 |
| Noninterest income | 453,000 | 912,000 | 1,622,000 | 2,134,000 |
| Noninterest expense | 1,282,000 | 2,501,000 | 3,753,000 | 5,117,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 458,000 | 1,024,000 | 1,885,000 | 2,428,000 |
| Income tax | 113,000 | 253,000 | 478,000 | 609,000 |
| Net income | 345,000 | 771,000 | 1,407,000 | 1,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,824,000 | 16,246,000 | 16,849,000 | 17,260,000 |
| Total capital | 16,841,000 | 17,272,000 | 17,878,000 | 18,297,000 |
| Risk-weighted assets | 123,562,000 | 121,589,000 | 125,247,000 | 133,216,000 |