Call reports 2009
CLAYTON BANK AND TRUST — 2009
What CLAYTON BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 567,259,000 | 586,729,000 | 592,927,000 | 599,709,000 |
| Total loans | 452,706,000 | 466,498,000 | 469,206,000 | 483,497,000 |
| Allowance for loan losses | 7,994,000 | 9,272,000 | 10,175,000 | 11,074,000 |
| Securities available for sale | 60,922,000 | 62,811,000 | 60,559,000 | 53,304,000 |
| Securities held to maturity | 12,924,000 | 13,050,000 | 13,038,000 | 13,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,547,000 | 480,795,000 | 487,387,000 | 482,311,000 |
| Interest-bearing deposits | 425,537,000 | 438,961,000 | 448,858,000 | 441,602,000 |
| Noninterest-bearing deposits | 40,010,000 | 41,834,000 | 38,529,000 | 40,709,000 |
| Equity capital | 64,370,000 | 65,278,000 | 67,366,000 | 68,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,838,000 | 16,147,000 | 24,612,000 | 33,679,000 |
| Interest expense | 3,835,000 | 7,376,000 | 10,457,000 | 13,212,000 |
| Net interest income | 4,003,000 | 8,771,000 | 14,155,000 | 20,467,000 |
| Noninterest income | 665,000 | 1,333,000 | 2,133,000 | 2,569,000 |
| Noninterest expense | 2,704,000 | 5,472,000 | 8,079,000 | 11,207,000 |
| Provision for loan losses | 750,000 | 2,465,000 | 4,767,000 | 6,569,000 |
| Pretax income | 1,214,000 | 2,369,000 | 4,002,000 | 5,940,000 |
| Income tax | 65,000 | 135,000 | 270,000 | 580,000 |
| Net income | 1,149,000 | 2,234,000 | 3,732,000 | 5,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,826,000 | 63,934,000 | 65,453,000 | 67,102,000 |
| Total capital | 69,095,000 | 70,537,000 | 72,055,000 | 74,069,000 |
| Risk-weighted assets | 499,802,000 | 525,553,000 | 524,609,000 | 553,249,000 |