Call reports 2007
CLAYTON BANK AND TRUST — 2007
What CLAYTON BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 364,561,000 | 395,368,000 | 424,173,000 | 449,259,000 |
| Total loans | 279,202,000 | 306,161,000 | 341,843,000 | 368,923,000 |
| Allowance for loan losses | 4,433,000 | 4,973,000 | 5,488,000 | 5,738,000 |
| Securities available for sale | 52,650,000 | 47,669,000 | 44,661,000 | 39,645,000 |
| Securities held to maturity | 10,917,000 | 9,726,000 | 9,682,000 | 9,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,283,000 | 339,715,000 | 348,735,000 | 368,359,000 |
| Interest-bearing deposits | 279,010,000 | 304,843,000 | 309,639,000 | 329,748,000 |
| Noninterest-bearing deposits | 35,273,000 | 34,872,000 | 39,096,000 | 38,611,000 |
| Equity capital | 31,131,000 | 31,009,000 | 41,472,000 | 53,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,406,000 | 13,496,000 | 21,334,000 | 29,431,000 |
| Interest expense | 3,295,000 | 6,911,000 | 10,840,000 | 14,976,000 |
| Net interest income | 3,111,000 | 6,585,000 | 10,494,000 | 14,455,000 |
| Noninterest income | 622,000 | 1,195,000 | 1,818,000 | 2,445,000 |
| Noninterest expense | 2,346,000 | 5,374,000 | 8,319,000 | 10,773,000 |
| Provision for loan losses | 451,000 | 1,016,000 | 1,642,000 | 2,342,000 |
| Pretax income | 937,000 | 1,391,000 | 2,352,000 | 3,786,000 |
| Income tax | 67,000 | 78,000 | 199,000 | 227,000 |
| Net income | 870,000 | 1,313,000 | 2,153,000 | 3,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,731,000 | 32,197,000 | 42,086,000 | 53,531,000 |
| Total capital | 35,539,000 | 36,491,000 | 46,836,000 | 58,584,000 |
| Risk-weighted assets | 303,975,000 | 343,040,000 | 379,272,000 | 403,556,000 |