Call reports 2004
CLAYTON BANK AND TRUST — 2004
What CLAYTON BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 141,907,000 | 140,182,000 | 144,824,000 | 154,500,000 |
| Total loans | 44,331,000 | 53,979,000 | 61,433,000 | 74,566,000 |
| Allowance for loan losses | 2,804,000 | 2,753,000 | 2,689,000 | 2,672,000 |
| Securities available for sale | 68,045,000 | 62,631,000 | 59,774,000 | 56,545,000 |
| Securities held to maturity | 16,333,000 | 15,858,000 | 15,450,000 | 15,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,730,000 | 112,995,000 | 114,053,000 | 117,866,000 |
| Interest-bearing deposits | 87,780,000 | 89,431,000 | 90,081,000 | 92,701,000 |
| Noninterest-bearing deposits | 25,951,000 | 23,564,000 | 23,973,000 | 25,165,000 |
| Equity capital | 17,725,000 | 16,967,000 | 18,686,000 | 19,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,562,000 | 3,311,000 | 5,072,000 | 7,348,000 |
| Interest expense | 380,000 | 813,000 | 1,298,000 | 1,837,000 |
| Net interest income | 1,182,000 | 2,498,000 | 3,774,000 | 5,511,000 |
| Noninterest income | 90,000 | 327,000 | 519,000 | 733,000 |
| Noninterest expense | 724,000 | 1,444,000 | 2,151,000 | 3,093,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 548,000 | 1,381,000 | 2,142,000 | 3,151,000 |
| Income tax | 62,000 | 124,000 | 186,000 | 248,000 |
| Net income | 486,000 | 1,257,000 | 1,956,000 | 2,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,913,000 | 18,668,000 | 19,371,000 | 20,325,000 |
| Total capital | 18,624,000 | 19,467,000 | 20,277,000 | 21,405,000 |
| Risk-weighted assets | 54,755,000 | 61,973,000 | 70,727,000 | 84,836,000 |