Call reports 2025
CLAY CITY BANKING CO., THE — 2025
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 231,154,000 | 229,939,000 | 233,998,000 | 250,704,000 |
| Total loans | 149,436,000 | 151,047,000 | 157,497,000 | 163,796,000 |
| Allowance for loan losses | 1,413,000 | 1,415,000 | 1,454,000 | 1,573,000 |
| Securities available for sale | 44,134,000 | 46,028,000 | 45,576,000 | 45,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,695,000 | 207,756,000 | 210,756,000 | 226,608,000 |
| Interest-bearing deposits | 175,550,000 | 176,474,000 | 177,491,000 | 186,598,000 |
| Noninterest-bearing deposits | 34,145,000 | 31,282,000 | 33,265,000 | 40,010,000 |
| Equity capital | 19,348,000 | 20,196,000 | 21,342,000 | 22,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,843,000 | 5,852,000 | 8,960,000 | 12,284,000 |
| Interest expense | 1,057,000 | 2,136,000 | 3,232,000 | 4,333,000 |
| Net interest income | 1,786,000 | 3,716,000 | 5,728,000 | 7,951,000 |
| Noninterest income | 419,000 | 886,000 | 1,369,000 | 1,856,000 |
| Noninterest expense | 1,418,000 | 2,909,000 | 4,354,000 | 6,099,000 |
| Provision for loan losses | 0 | 26,000 | 67,000 | 199,000 |
| Pretax income | 786,000 | 1,654,000 | 2,667,000 | 3,508,000 |
| Income tax | 204,000 | 426,000 | 686,000 | 895,000 |
| Net income | 582,000 | 1,228,000 | 1,981,000 | 2,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,410,000 | 22,999,000 | 23,750,000 | 24,298,000 |
| Total capital | 23,846,000 | 24,449,000 | 25,235,000 | 25,894,000 |
| Risk-weighted assets | 151,909,000 | 151,440,000 | 156,261,000 | 164,330,000 |