Call reports 2005
CLAYTON BANK AND TRUST — 2005
What CLAYTON BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 237,155,000 | 243,387,000 | 253,261,000 | 274,376,000 |
| Total loans | 141,873,000 | 148,151,000 | 162,249,000 | 174,495,000 |
| Allowance for loan losses | 4,548,000 | 4,583,000 | 4,287,000 | 3,897,000 |
| Securities available for sale | 67,974,000 | 66,148,000 | 62,383,000 | 58,999,000 |
| Securities held to maturity | 14,546,000 | 15,112,000 | 15,045,000 | 14,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,014,000 | 191,826,000 | 197,705,000 | 222,981,000 |
| Interest-bearing deposits | 158,732,000 | 164,021,000 | 167,730,000 | 194,405,000 |
| Noninterest-bearing deposits | 30,282,000 | 27,805,000 | 29,975,000 | 28,576,000 |
| Equity capital | 27,959,000 | 29,591,000 | 30,437,000 | 30,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,437,000 | 7,090,000 | 11,047,000 | 15,241,000 |
| Interest expense | 979,000 | 2,097,000 | 3,489,000 | 5,160,000 |
| Net interest income | 2,458,000 | 4,993,000 | 7,558,000 | 10,081,000 |
| Noninterest income | 458,000 | 828,000 | 1,168,000 | 1,461,000 |
| Noninterest expense | 1,709,000 | 3,410,000 | 5,228,000 | 7,163,000 |
| Provision for loan losses | 0 | 7,000 | 0 | 0 |
| Pretax income | 1,207,000 | 2,404,000 | 3,498,000 | 4,379,000 |
| Income tax | 62,000 | 124,000 | 186,000 | 248,000 |
| Net income | 1,145,000 | 2,280,000 | 3,312,000 | 4,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,651,000 | 29,819,000 | 30,879,000 | 31,718,000 |
| Total capital | 30,565,000 | 31,810,000 | 33,040,000 | 34,077,000 |
| Risk-weighted assets | 150,526,000 | 156,076,000 | 170,718,000 | 187,169,000 |