Call reports 2022
CLAY CITY BANKING CO., THE — 2022
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 212,239,000 | 205,514,000 | 205,820,000 | 213,050,000 |
| Total loans | 127,067,000 | 132,955,000 | 139,958,000 | 152,030,000 |
| Allowance for loan losses | 1,038,000 | 1,049,000 | 1,053,000 | 1,057,000 |
| Securities available for sale | 44,552,000 | 44,066,000 | 41,281,000 | 40,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,740,000 | 188,940,000 | 190,185,000 | 191,797,000 |
| Interest-bearing deposits | 148,027,000 | 149,826,000 | 150,317,000 | 154,931,000 |
| Noninterest-bearing deposits | 43,713,000 | 39,114,000 | 39,868,000 | 36,866,000 |
| Equity capital | 15,887,000 | 15,228,000 | 14,422,000 | 15,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,887,000 | 3,492,000 | 5,299,000 | 7,197,000 |
| Interest expense | 142,000 | 312,000 | 568,000 | 1,104,000 |
| Net interest income | 1,745,000 | 3,180,000 | 4,731,000 | 6,093,000 |
| Noninterest income | 419,000 | 828,000 | 1,223,000 | 1,611,000 |
| Noninterest expense | 1,133,000 | 1,985,000 | 3,240,000 | 4,650,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,031,000 | 2,023,000 | 2,714,000 | 3,054,000 |
| Income tax | 284,000 | 534,000 | 707,000 | 776,000 |
| Net income | 747,000 | 1,489,000 | 2,007,000 | 2,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,959,000 | 18,700,000 | 19,181,000 | 19,450,000 |
| Total capital | 18,997,000 | 19,749,000 | 20,234,000 | 20,507,000 |
| Risk-weighted assets | 131,459,000 | 135,024,000 | 141,308,000 | 150,644,000 |