Call reports 2009
BANK & TRUST COMPANY — 2009
What BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 265,553,000 | 263,074,000 | 268,587,000 | 261,374,000 |
| Total loans | 181,209,000 | 176,733,000 | 178,888,000 | 181,296,000 |
| Allowance for loan losses | 2,637,000 | 2,763,000 | 2,874,000 | 4,469,000 |
| Securities available for sale | 65,267,000 | 71,754,000 | 71,338,000 | 68,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,306,000 | 233,345,000 | 236,283,000 | 230,997,000 |
| Interest-bearing deposits | 212,367,000 | 211,396,000 | 216,464,000 | 205,862,000 |
| Noninterest-bearing deposits | 21,939,000 | 21,949,000 | 19,819,000 | 25,135,000 |
| Equity capital | 22,055,000 | 22,506,000 | 23,668,000 | 22,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,859,000 | 7,553,000 | 11,080,000 | 14,712,000 |
| Interest expense | 1,632,000 | 3,157,000 | 4,589,000 | 5,866,000 |
| Net interest income | 2,227,000 | 4,396,000 | 6,491,000 | 8,846,000 |
| Noninterest income | 914,000 | 1,634,000 | 2,196,000 | 2,748,000 |
| Noninterest expense | 1,835,000 | 3,806,000 | 5,718,000 | 7,330,000 |
| Provision for loan losses | 205,000 | 400,000 | 605,000 | 2,430,000 |
| Pretax income | 1,101,000 | 1,824,000 | 2,367,000 | 1,837,000 |
| Income tax | 374,000 | 596,000 | 744,000 | 445,000 |
| Net income | 727,000 | 1,228,000 | 1,623,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,056,000 | 21,553,000 | 21,946,000 | 21,514,000 |
| Total capital | 23,415,000 | 23,892,000 | 24,338,000 | 23,930,000 |
| Risk-weighted assets | 188,439,000 | 186,671,000 | 190,884,000 | 191,209,000 |
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