3 star ratingAverage User Rating:
3 star rating based on 2 reviews.

Clayton Bank and Trust

Clayton Bank and Trust Locations
620 Market Street
Knoxville, TN 37902
www.claytonbank.com

Clayton Bank and Trust is headquartered in Knoxville and is the 24th largest bank in the state of Tennessee. It is also the 1,078th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 171 employees at 14 locations. Clayton Bank and Trust has a 4-star health rating.

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4.04% 4-Month CD at a Tennessee Bank (Clayton Bank and Trust) - 7/6/2008

Clayton Bank and Trust is advertising a 4.04% APY 4-month CD. The minimum deposit is $400, and the maximum deposit is $400,000. This special doesn't seem to be listed at the bank's website. It was advertised in today's Knoxville News Sentinel. The ad is...


Data for Q1 2012


Institution Statistics


Clayton Bank and Trust
FDIC Certificate #6104
BankRate ReportView
Year Established1889
Employees171
Primary RegulatorFDIC

Assets and Liabilities

Assets$619.60 million
Loans$464.76 million
Deposits$487.71 million
Equity Capital$91.36 million
Loan Loss Allowance$21.30 million
Unbacked Noncurrent Loans$12.21 million
Real Estate Owned$1.88 million

Historic Data - March 2011

Assets$660.49 million
Equity Capital$84.23 million
Loan Loss Allowance$18.31 million
Unbacked Noncurrent Loans$15.81 million
Real Estate Owned$3.73 million

Profit Margin - Quarterly

Net Interest Margin6.58%
Return on Assets2.24%
Return on Equity15.62%
Interest Income$11.45 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Clayton Bank and Trust had $14.09 million in non-current loans and owned real-estate with $112.66 million in equity and loan loss allowances on hand to cover it. This gives Clayton Bank and Trust a Texas Ratio of 12.51% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Clayton Bank and Trust decreased slightly from 19.05% as of March 31, 2011 to 12.51% as of March 31, 2012, resulting in a positive change of 34.34%.This indicates that the balance sheet and financial strength for Clayton Bank and Trust has improved slightly in recent periods.
Deposit Growth1
In the past year, Clayton Bank and Trust has decreased its total deposits by -$44.42 million, resulting in -8.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Clayton Bank and Trust has shown is poor.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Clayton Bank and Trust has $619.6 million in assets with $112.66 million in equity, resulting in a capitalization level of 18.18%, which is excellent.
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Clayton Bank
1 stars - ClaytonBank - Wednesday, December 29, 2010 - 9:32 AM

Having been a loan customer of this bank for seveal years, I have learned they will make calls and write letters to collect a payment which is NOT PAST DUE.  Very Odd and Strange behavior.  When contacted to discuss this their attitude is rude and condescending.  I would not recommend this bank based on my dealings with them.      

3

Five Star In Every Way
5 stars - GeorgeWilson - Sunday, March 25, 2012 - 6:21 AM

Clayton Bank helped me save my home.  They are friendly and helpful in every way.  I strongly recomend.  George Wilson

1
 
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