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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