Call reports 2023
CLAY CITY BANKING CO., THE — 2023
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 216,709,000 | 210,066,000 | 206,547,000 | 212,946,000 |
| Total loans | 143,865,000 | 146,440,000 | 148,940,000 | 152,898,000 |
| Allowance for loan losses | 1,251,000 | 1,274,000 | 1,301,000 | 1,330,000 |
| Securities available for sale | 40,570,000 | 39,422,000 | 37,688,000 | 38,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,857,000 | 193,101,000 | 189,901,000 | 195,182,000 |
| Interest-bearing deposits | 160,876,000 | 156,471,000 | 157,329,000 | 160,323,000 |
| Noninterest-bearing deposits | 38,981,000 | 36,630,000 | 32,572,000 | 34,859,000 |
| Equity capital | 15,683,000 | 15,798,000 | 15,430,000 | 16,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,078,000 | 4,334,000 | 6,679,000 | 9,153,000 |
| Interest expense | 708,000 | 1,528,000 | 2,425,000 | 3,441,000 |
| Net interest income | 1,370,000 | 2,806,000 | 4,254,000 | 5,712,000 |
| Noninterest income | 393,000 | 787,000 | 1,188,000 | 1,586,000 |
| Noninterest expense | 1,215,000 | 2,517,000 | 3,785,000 | 5,094,000 |
| Provision for loan losses | 0 | 17,000 | 51,000 | 714,000 |
| Pretax income | 548,000 | 1,059,000 | 1,606,000 | 1,490,000 |
| Income tax | 131,000 | 251,000 | 382,000 | 347,000 |
| Net income | 417,000 | 808,000 | 1,224,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,596,000 | 19,987,000 | 20,357,000 | 20,328,000 |
| Total capital | 20,847,000 | 21,261,000 | 21,658,000 | 21,658,000 |
| Risk-weighted assets | 144,869,000 | 144,688,000 | 145,773,000 | 148,688,000 |