Call reports 2004
BANK & TRUST COMPANY — 2004
What BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 195,535,000 | 192,540,000 | 195,369,000 | 197,441,000 |
| Total loans | 119,951,000 | 125,994,000 | 129,598,000 | 136,727,000 |
| Allowance for loan losses | 1,708,000 | 1,794,000 | 1,820,000 | 1,858,000 |
| Securities available for sale | 61,009,000 | 56,986,000 | 54,587,000 | 50,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,183,000 | 165,731,000 | 162,805,000 | 172,059,000 |
| Interest-bearing deposits | 153,209,000 | 147,340,000 | 144,975,000 | 152,094,000 |
| Noninterest-bearing deposits | 18,974,000 | 18,391,000 | 17,830,000 | 19,965,000 |
| Equity capital | 15,893,000 | 15,158,000 | 15,866,000 | 15,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,600,000 | 5,158,000 | 7,799,000 | 10,529,000 |
| Interest expense | 825,000 | 1,604,000 | 2,429,000 | 3,310,000 |
| Net interest income | 1,775,000 | 3,554,000 | 5,370,000 | 7,219,000 |
| Noninterest income | 304,000 | 621,000 | 1,091,000 | 1,545,000 |
| Noninterest expense | 1,493,000 | 2,970,000 | 4,475,000 | 5,965,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 533,000 | 1,125,000 | 1,827,000 | 2,460,000 |
| Income tax | 195,000 | 414,000 | 679,000 | 857,000 |
| Net income | 338,000 | 711,000 | 1,148,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,335,000 | 15,486,000 | 15,826,000 | 16,070,000 |
| Total capital | 16,868,000 | 17,085,000 | 17,465,000 | 17,804,000 |
| Risk-weighted assets | 122,470,000 | 127,766,000 | 130,962,000 | 138,571,000 |
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