Bank of Clayton in Clayton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 07, 1996

  • Bank of Clayton in Clayton, Georgia (GA)
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Bank of Clayton - Overview

  • General
  • FDIC Certificate #: 9238
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 575535
    Date Established: July 01, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 5910
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 07, 1996
    Last Structure Change Process Date: July 24, 1996
    Last Data Update: July 24, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: U.S. Highway 441 And Savannah Street, Clayton, GA 30525
    County: Rabun
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $122.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $41Total assets
  • $122,577Cash and due from depository institutions
  • $2,383Interest-bearing balances
  • $794Securities
  • $49,504Federal funds sold & reverse repurchase agreements
  • $3,339Net loans & leases
  • $64,205Loan loss allowance
  • $1,214Trading account assets
  • $0Bank premises and fixed assets
  • $1,598Other real estate owned
  • $59Goodwill and other intangibles
  • $1,489Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $122,577Total liabilities
  • $106,549Total deposits
  • $97,620Interest-bearing deposits
  • $88,150Deposits held in domestic offices
  • 97620.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $8,131Trading liabilities
  • $0Other borrowed funds
  • $74Subordinated debt
  • $0All other liabilities
  • $724Total equity capital
  • $724Total bank equity capital
  • $16,028Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $7,000Undivided profits
  • Memoranda
  • $8,028Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $994Income earned, not collected on loans
  • $593Earning assets
  • $117,842Long-term assets (5+ years)
  • $12,731Average Assets, year-to-date
  • $115,158Average Assets, quarterly
  • $121,073Volatile liabilities
  • $18,589Insider loans
  • $2,861FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,806Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,766Total risk weighted assets
  • $63,449Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,528Total interest expense
  • $4,370Net interest income
  • $5,158Provision for loan and lease losses
  • $406Total noninterest income
  • $596Fiduciary activities
  • $0Service charges on deposit accounts
  • $351Trading account gains & fees
  • $0Additional noninterest income
  • $245Total noninterest expense
  • $2,829Salaries and employee benefits
  • $1,380Premises and equipment expense
  • $273Additional noninterest expense
  • $1,176Pre-tax net operating income
  • $2,519Securities gains (losses)
  • $0Applicable income taxes
  • $855Income before extraordinary items
  • $1,664Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,664Net charge-offs
  • $297Cash dividends
  • $765Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.65%Cost of funding earning assets
  • 3.97%Net interest margin
  • 4.68%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 2.57%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 2.19%Return on equity (ROE)
  • 10.84%Retained earnings to average equity (YTD only)
  • 5.85%Net charge-offs to loans
  • 0.48%Credit loss provision to net charge-offs
  • 136.70%Efficiency ratio
  • 48,992Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.97%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 122.13%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 1.52%Net loans and leases to deposits
  • 65.77%Net loans and leases to core deposits
  • 73.60%Equity capital to assets
  • 13.08%Core capital (leverage) ratio
  • 13.09%Tier 1 risk-based capital ratio
  • 24.85%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $115,158Average earning assets
  • $15,357Average equity
  • $110,206Average loans

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