Clayton Bank and Trust in Knoxville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Clayton Bank and Trust - Overview

  • General
  • FDIC Certificate #: 6104
    Status: Active
    Federal Reserve ID: 146654
    Bank Holding Company (Regulatory Top Holder): Clayton Bancorp, Inc (RSSDID: 3153242, Location: Knoxville, TN)
    Date Established: January 01, 1889
    WWW: http://www.claytonbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: No)
    FDIC's unique #: 4125
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 16, 2011
    Last Structure Change Process Date: November 16, 2011
    Last Data Update: November 16, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 620 Market Street, Knoxville, TN 37902
    County: Knox
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Knoxville, TN (#3840)
    Combined Statistical Area (CSA): Knoxville-Sevierville-La Follette, TN (#314)
    Core Based Statistical Area (CBSA): Knoxville, TN (#28940)
    CBSA Metro Statistical Area: Knoxville, TN (#28940)
  • Financial Summary
  • Total assets: $628.8 mil
    Equity capital: $87.8 mil
    Deposits held in domestic offices: $500.3 mil
    Return on assets (ROA): 1.49% ($9.4 mil)
    Quarterly return on assets: 1.73% ($10.9 mil)
    Return on Equity (ROE): 11.18% ($9.8 mil)
    Quarterly return on equity: 12.43% ($10.9 mil)
    Net income: $9.7 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 1.58% ($9,934.5 mil)
    Quarterly Pretax return on assets: 1.84% ($11,569.3 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 173Total employees (full-time equivalent)
  • $628,766Total assets
  • $11,566Cash and due from depository institutions
  • $3,836Interest-bearing balances
  • $101,697Securities
  • $2,956Federal funds sold & reverse repurchase agreements
  • $485,976Net loans & leases
  • $20,335Loan loss allowance
  • $0Trading account assets
  • $16,940Bank premises and fixed assets
  • $365Other real estate owned
  • $245Goodwill and other intangibles
  • $628,766Life insurance assets
  • $9,021All other assets
  • $540,992Total liabilities and capital
  • $500,337Total liabilities
  • $450,390Total deposits
  • $500,337Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $38,639Trading liabilities
  • $0Other borrowed funds
  • $2,016Subordinated debt
  • $87,774All other liabilities
  • $87,774Total equity capital
  • $87,774Total bank equity capital
  • $0Perpetual preferred stock
  • $3,417Common stock
  • $67,160Surplus
  • $17,197Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,180Income earned, not collected on loans
  • $0Earning assets
  • $2,973Long-term assets (5+ years)
  • $594,465Average Assets, year-to-date
  • $161,563Average Assets, quarterly
  • $650,512Volatile liabilities
  • $642,848Insider loans
  • $527,119FHLB advances
  • $648,287Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $84,520Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $69,743Restructured Loans and leases
  • $24,363Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,040Total interest income
  • $8,621Total interest expense
  • $31,419Net interest income
  • $11,300Provision for loan and lease losses
  • $2,650Total noninterest income
  • $421Fiduciary activities
  • $679Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,550Additional noninterest income
  • $12,481Total noninterest expense
  • $7,602Salaries and employee benefits
  • $1,300Premises and equipment expense
  • $3,579Additional noninterest expense
  • $10,288Pre-tax net operating income
  • $2Securities gains (losses)
  • $620Applicable income taxes
  • $9,670Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,670Net income attributable to bank
  • $0Net charge-offs
  • $9,670Cash dividends
  • $9,068Sale, conversion, retirement of capital stock, net
  • $5,501Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.51%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 5.11%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 11.18%Return on equity (ROE)
  • 4.82%Retained earnings to average equity (YTD only)
  • 1.73%Net charge-offs to loans
  • 124.61%Credit loss provision to net charge-offs
  • 2.38%Efficiency ratio
  • 36,385Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.89%Loss allowance to loans
  • 4.02%Loss allowance to noncurrent loans
  • 166.95%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 2.41%Net loans and leases to deposits
  • 97.13%Net loans and leases to core deposits
  • 109.01%Equity capital to assets
  • 13.96%Core capital (leverage) ratio
  • 13.04%Tier 1 risk-based capital ratio
  • 16.03%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $650,512Average earning assets
  • $86,500Average equity
  • $614,892Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $242,395Managed Assets
  • 1Number of Accounts
  • $241,758Personal trust and agency accounts
  • $129,031Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $563Other retirement accounts
  • $5,251Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $2,654Other fiduciary accounts
  • $104,259Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 85Number of Accounts
  • $0Personal trust and agency accounts
  • $4,088Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $637Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 14 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04125Clayton Bank And Trust620 Market Street, Knoxville, TN 37902January 01, 1889Full Service Brick and Mortar
    1208738North Henderson Drive-In Branch112 North Washington Streets, Henderson, TN 38340December 09, 1968Limited Service Facility
    2208739East BranchW Main Street, Henderson, TN 38340June 11, 1973Limited Service Facility
    31577Friendship Bank BranchMain Street, Friendship, TN 38034March 01, 1904Full Service Brick and Mortar
    4192606Lexington Branch679 West Church Street, Lexington, TN 38351April 22, 1997Full Service Brick and Mortar
    5192607Covington Branch3080 Highway 51 South, Covington, TN 38019May 24, 1999Full Service Brick and Mortar
    7443055South Jackson Branch2113 S. Highland, Jackson, TN 38301October 15, 2004Full Service Brick and Mortar
    8451903Old Main Office Branch101 East Main Street, Henderson, TN 38340November 04, 2005Full Service Brick and Mortar
    9453046Knoxville West Branch10216 Kingston Pike, Knoxville, TN 37922December 01, 2005Full Service Brick and Mortar
    11453974Cookeville Branch851 South Willow Avenue, Cookeville, TN 38501August 08, 2006Full Service Brick and Mortar
    12477891Jackson - Carriage House BranchLot 16 Park Place Development, Jackson, TN 38301March 21, 2008Full Service Brick and Mortar
    13490160Farragut Branch11820 Kingston Pike, Knoxville, TN 37934May 04, 2009Full Service Brick and Mortar
    14513427Clayton Bank And Trust, Clinton Highway Branch5200 Clinton Highway, Knoxville, TN 37912October 01, 2010Full Service Brick and Mortar
    15522150Clayton Bank And Trust, Alcoa Highway Branch2306 Alcoa Highway, Alcoa, TN 37701August 01, 2011Full Service Brick and Mortar

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