Call reports 2003
CLAYTON BANK AND TRUST — 2003
What CLAYTON BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 143,430,000 | 129,756,000 | 158,626,000 | 133,551,000 |
| Total loans | 42,401,000 | 40,614,000 | 41,290,000 | 41,617,000 |
| Allowance for loan losses | 3,047,000 | 2,865,000 | 2,691,000 | 2,702,000 |
| Securities available for sale | 64,259,000 | 65,864,000 | 61,406,000 | 62,654,000 |
| Securities held to maturity | 13,953,000 | 13,353,000 | 14,722,000 | 14,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,773,000 | 111,758,000 | 141,085,000 | 115,158,000 |
| Interest-bearing deposits | 93,454,000 | 88,251,000 | 84,381,000 | 91,653,000 |
| Noninterest-bearing deposits | 24,319,000 | 23,507,000 | 56,704,000 | 23,505,000 |
| Equity capital | 24,780,000 | 17,475,000 | 17,049,000 | 17,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,009,000 | 1,065,000 | 2,698,000 | 4,510,000 |
| Interest expense | 596,000 | 259,000 | 694,000 | 1,161,000 |
| Net interest income | 1,413,000 | 806,000 | 2,004,000 | 3,349,000 |
| Noninterest income | 82,000 | 36,000 | 109,000 | 186,000 |
| Noninterest expense | 629,000 | 294,000 | 919,000 | 1,527,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 866,000 | 548,000 | 1,194,000 | 2,008,000 |
| Income tax | 417,000 | 285,000 | 792,000 | 1,019,000 |
| Net income | 449,000 | 263,000 | 402,000 | 989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,796,000 | 17,600,000 | 17,726,000 | 18,327,000 |
| Total capital | 24,437,000 | 18,214,000 | 18,420,000 | 18,969,000 |
| Risk-weighted assets | 48,865,000 | 46,304,000 | 53,553,000 | 49,324,000 |