Call reports 2024
CLAY CITY BANKING CO., THE — 2024
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 217,121,000 | 215,956,000 | 216,217,000 | 218,826,000 |
| Total loans | 150,316,000 | 148,694,000 | 146,902,000 | 152,005,000 |
| Allowance for loan losses | 1,421,000 | 1,451,000 | 1,417,000 | 1,444,000 |
| Securities available for sale | 40,362,000 | 41,996,000 | 42,037,000 | 42,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,138,000 | 197,289,000 | 195,706,000 | 198,875,000 |
| Interest-bearing deposits | 166,578,000 | 165,268,000 | 164,820,000 | 164,185,000 |
| Noninterest-bearing deposits | 32,560,000 | 32,021,000 | 30,886,000 | 34,690,000 |
| Equity capital | 16,688,000 | 17,207,000 | 18,993,000 | 18,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,589,000 | 5,270,000 | 8,024,000 | 10,816,000 |
| Interest expense | 1,074,000 | 2,203,000 | 3,339,000 | 4,455,000 |
| Net interest income | 1,515,000 | 3,067,000 | 4,685,000 | 6,361,000 |
| Noninterest income | 404,000 | 821,000 | 1,244,000 | 1,672,000 |
| Noninterest expense | 1,300,000 | 2,700,000 | 4,043,000 | 5,603,000 |
| Provision for loan losses | 94,000 | 150,000 | 96,000 | 105,000 |
| Pretax income | 525,000 | 1,038,000 | 1,764,000 | 2,303,000 |
| Income tax | 133,000 | 249,000 | 434,000 | 562,000 |
| Net income | 392,000 | 789,000 | 1,330,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,631,000 | 21,022,000 | 21,513,000 | 21,869,000 |
| Total capital | 22,052,000 | 22,472,000 | 22,956,000 | 23,335,000 |
| Risk-weighted assets | 147,308,000 | 147,205,000 | 145,470,000 | 150,239,000 |