Call reports 2005
BANK & TRUST COMPANY — 2005
What BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 195,662,000 | 204,502,000 | 203,290,000 | 203,747,000 |
| Total loans | 136,834,000 | 142,897,000 | 143,630,000 | 148,338,000 |
| Allowance for loan losses | 1,915,000 | 1,974,000 | 1,936,000 | 1,941,000 |
| Securities available for sale | 47,910,000 | 46,720,000 | 47,394,000 | 43,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,192,000 | 180,561,000 | 175,960,000 | 177,780,000 |
| Interest-bearing deposits | 151,413,000 | 160,048,000 | 155,292,000 | 156,301,000 |
| Noninterest-bearing deposits | 20,780,000 | 20,513,000 | 20,668,000 | 21,479,000 |
| Equity capital | 15,848,000 | 16,284,000 | 16,391,000 | 16,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,698,000 | 5,570,000 | 8,493,000 | 11,492,000 |
| Interest expense | 882,000 | 1,833,000 | 2,961,000 | 4,164,000 |
| Net interest income | 1,816,000 | 3,737,000 | 5,532,000 | 7,328,000 |
| Noninterest income | 336,000 | 702,000 | 1,087,000 | 1,576,000 |
| Noninterest expense | 1,590,000 | 3,155,000 | 4,740,000 | 6,287,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 458,000 | 1,075,000 | 1,565,000 | 2,195,000 |
| Income tax | 168,000 | 399,000 | 577,000 | 768,000 |
| Net income | 290,000 | 676,000 | 988,000 | 1,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,362,000 | 16,548,000 | 16,862,000 | 17,079,000 |
| Total capital | 18,085,000 | 18,362,000 | 18,661,000 | 18,956,000 |
| Risk-weighted assets | 137,618,000 | 144,935,000 | 143,818,000 | 150,116,000 |
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