Call reports 2015
CLAYTON BANK AND TRUST — 2015
What CLAYTON BANK AND TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 710,635,000 | 712,419,000 | 742,021,000 | 785,530,000 |
| Total loans | 575,135,000 | 594,118,000 | 632,399,000 | 676,038,000 |
| Allowance for loan losses | 20,632,000 | 20,024,000 | 19,923,000 | 19,427,000 |
| Securities available for sale | 54,378,000 | 50,993,000 | 51,450,000 | 49,628,000 |
| Securities held to maturity | 13,937,000 | 13,161,000 | 12,318,000 | 12,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,122,000 | 539,633,000 | 545,237,000 | 587,072,000 |
| Interest-bearing deposits | 452,127,000 | 451,643,000 | 455,280,000 | 487,836,000 |
| Noninterest-bearing deposits | 91,995,000 | 87,990,000 | 89,956,000 | 99,236,000 |
| Equity capital | 125,683,000 | 131,083,000 | 137,592,000 | 145,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,023,000 | 20,680,000 | 31,412,000 | 44,519,000 |
| Interest expense | 1,155,000 | 2,346,000 | 3,508,000 | 4,702,000 |
| Net interest income | 8,868,000 | 18,334,000 | 27,904,000 | 39,817,000 |
| Noninterest income | 1,082,000 | 2,312,000 | 3,509,000 | 4,633,000 |
| Noninterest expense | 3,920,000 | 8,087,000 | 12,266,000 | 16,991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,030,000 | 12,559,000 | 19,148,000 | 27,460,000 |
| Income tax | 372,000 | 788,000 | 1,206,000 | 1,721,000 |
| Net income | 5,658,000 | 11,771,000 | 17,942,000 | 25,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,548,000 | 129,664,000 | 135,838,000 | 143,638,000 |
| Total capital | 131,878,000 | 138,419,000 | 145,068,000 | 153,469,000 |
| Risk-weighted assets | 654,127,000 | 689,147,000 | 727,711,000 | 776,885,000 |