Call reports 2007
BANK & TRUST COMPANY — 2007
What BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 225,716,000 | 221,234,000 | 229,964,000 | 245,220,000 |
| Total loans | 153,860,000 | 153,696,000 | 155,535,000 | 165,370,000 |
| Allowance for loan losses | 1,964,000 | 2,018,000 | 1,970,000 | 1,966,000 |
| Securities available for sale | 58,318,000 | 55,670,000 | 61,354,000 | 65,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,027,000 | 196,245,000 | 205,256,000 | 209,338,000 |
| Interest-bearing deposits | 181,616,000 | 174,999,000 | 185,260,000 | 189,208,000 |
| Noninterest-bearing deposits | 21,411,000 | 21,246,000 | 19,996,000 | 20,130,000 |
| Equity capital | 17,996,000 | 17,889,000 | 18,688,000 | 19,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,505,000 | 7,074,000 | 10,796,000 | 14,707,000 |
| Interest expense | 1,810,000 | 3,662,000 | 5,600,000 | 7,661,000 |
| Net interest income | 1,695,000 | 3,412,000 | 5,196,000 | 7,046,000 |
| Noninterest income | 408,000 | 869,000 | 1,332,000 | 1,767,000 |
| Noninterest expense | 1,657,000 | 3,265,000 | 4,915,000 | 6,546,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 371,000 | 866,000 | 1,388,000 | 1,953,000 |
| Income tax | 108,000 | 263,000 | 426,000 | 552,000 |
| Net income | 263,000 | 603,000 | 962,000 | 1,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,304,000 | 18,443,000 | 18,799,000 | 19,036,000 |
| Total capital | 20,262,000 | 20,394,000 | 20,769,000 | 21,002,000 |
| Risk-weighted assets | 156,740,000 | 156,098,000 | 158,059,000 | 167,446,000 |
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