Call reports 2006
CLAYTON BANK AND TRUST — 2006
What CLAYTON BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 295,951,000 | 301,056,000 | 339,471,000 | 347,665,000 |
| Total loans | 196,507,000 | 206,301,000 | 225,853,000 | 252,770,000 |
| Allowance for loan losses | 3,648,000 | 3,672,000 | 3,662,000 | 4,111,000 |
| Securities available for sale | 56,578,000 | 59,675,000 | 58,565,000 | 56,315,000 |
| Securities held to maturity | 14,442,000 | 13,875,000 | 13,597,000 | 11,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,142,000 | 254,796,000 | 291,282,000 | 297,033,000 |
| Interest-bearing deposits | 216,242,000 | 228,207,000 | 255,219,000 | 266,224,000 |
| Noninterest-bearing deposits | 30,900,000 | 26,589,000 | 36,063,000 | 30,809,000 |
| Equity capital | 31,374,000 | 29,368,000 | 31,000,000 | 31,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,582,000 | 9,774,000 | 15,279,000 | 21,424,000 |
| Interest expense | 1,996,000 | 4,309,000 | 6,986,000 | 10,075,000 |
| Net interest income | 2,586,000 | 5,465,000 | 8,293,000 | 11,349,000 |
| Noninterest income | 359,000 | 762,000 | 1,096,000 | 1,531,000 |
| Noninterest expense | 2,060,000 | 4,234,000 | 6,530,000 | 8,904,000 |
| Provision for loan losses | 0 | 82,000 | 206,000 | 782,000 |
| Pretax income | 885,000 | 1,912,000 | 2,654,000 | 3,195,000 |
| Income tax | 62,000 | 124,000 | 186,000 | 248,000 |
| Net income | 823,000 | 1,788,000 | 2,468,000 | 2,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,573,000 | 31,054,000 | 31,781,000 | 32,261,000 |
| Total capital | 33,610,000 | 32,060,000 | 34,885,000 | 35,543,000 |
| Risk-weighted assets | 206,307,000 | 222,752,000 | 247,789,000 | 261,889,000 |