Call reports 2011
BANK & TRUST COMPANY — 2011
What BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 257,350,000 | 265,027,000 | 255,325,000 | 258,445,000 |
| Total loans | 164,274,000 | 166,749,000 | 166,654,000 | 166,100,000 |
| Allowance for loan losses | 3,616,000 | 3,766,000 | 3,700,000 | 3,743,000 |
| Securities available for sale | 74,487,000 | 77,475,000 | 77,689,000 | 78,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,871,000 | 233,977,000 | 224,950,000 | 228,965,000 |
| Interest-bearing deposits | 204,450,000 | 208,914,000 | 200,795,000 | 200,087,000 |
| Noninterest-bearing deposits | 24,421,000 | 25,063,000 | 24,155,000 | 28,878,000 |
| Equity capital | 23,755,000 | 24,791,000 | 25,532,000 | 25,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,087,000 | 6,193,000 | 9,356,000 | 12,423,000 |
| Interest expense | 853,000 | 1,671,000 | 2,443,000 | 3,050,000 |
| Net interest income | 2,234,000 | 4,522,000 | 6,913,000 | 9,373,000 |
| Noninterest income | 459,000 | 949,000 | 1,436,000 | 1,958,000 |
| Noninterest expense | 1,928,000 | 3,842,000 | 5,700,000 | 7,514,000 |
| Provision for loan losses | 205,000 | 370,000 | 535,000 | 700,000 |
| Pretax income | 560,000 | 1,259,000 | 2,114,000 | 3,120,000 |
| Income tax | 152,000 | 362,000 | 641,000 | 962,000 |
| Net income | 408,000 | 897,000 | 1,473,000 | 2,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,781,000 | 23,269,000 | 23,694,000 | 24,237,000 |
| Total capital | 25,032,000 | 25,561,000 | 25,940,000 | 26,487,000 |
| Risk-weighted assets | 186,651,000 | 189,749,000 | 186,204,000 | 186,415,000 |