Call reports 2008
CLAYTON BANK AND TRUST — 2008
What CLAYTON BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 471,921,000 | 494,850,000 | 515,541,000 | 556,180,000 |
| Total loans | 392,517,000 | 406,480,000 | 434,652,000 | 425,249,000 |
| Allowance for loan losses | 5,462,000 | 5,963,000 | 6,759,000 | 7,518,000 |
| Securities available for sale | 38,908,000 | 40,187,000 | 44,630,000 | 53,728,000 |
| Securities held to maturity | 9,154,000 | 9,193,000 | 9,165,000 | 13,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,156,000 | 398,161,000 | 418,146,000 | 456,566,000 |
| Interest-bearing deposits | 348,907,000 | 344,621,000 | 375,843,000 | 418,107,000 |
| Noninterest-bearing deposits | 38,249,000 | 53,540,000 | 42,303,000 | 38,459,000 |
| Equity capital | 55,373,000 | 55,316,000 | 57,572,000 | 62,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,991,000 | 15,487,000 | 23,537,000 | 31,720,000 |
| Interest expense | 3,933,000 | 7,454,000 | 11,116,000 | 15,047,000 |
| Net interest income | 4,058,000 | 8,033,000 | 12,421,000 | 16,673,000 |
| Noninterest income | 699,000 | 1,432,000 | 2,611,000 | 3,231,000 |
| Noninterest expense | 2,749,000 | 5,667,000 | 8,223,000 | 11,013,000 |
| Provision for loan losses | 650,000 | 1,400,000 | 2,729,000 | 5,679,000 |
| Pretax income | 1,358,000 | 2,423,000 | 4,105,000 | 3,223,000 |
| Income tax | 83,000 | 178,000 | 290,000 | 191,000 |
| Net income | 1,275,000 | 2,245,000 | 3,815,000 | 3,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,842,000 | 55,839,000 | 57,409,000 | 61,655,000 |
| Total capital | 60,132,000 | 61,326,000 | 63,245,000 | 67,721,000 |
| Risk-weighted assets | 423,027,000 | 438,454,000 | 465,931,000 | 483,855,000 |