Call reports 2012
BANK & TRUST COMPANY — 2012
What BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 266,418,000 | 266,301,000 | 270,082,000 | 271,052,000 |
| Total loans | 164,252,000 | 169,213,000 | 172,639,000 | 176,338,000 |
| Allowance for loan losses | 3,888,000 | 4,313,000 | 3,528,000 | 3,640,000 |
| Securities available for sale | 86,165,000 | 87,708,000 | 83,837,000 | 80,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,803,000 | 232,275,000 | 234,512,000 | 236,451,000 |
| Interest-bearing deposits | 205,676,000 | 205,132,000 | 206,484,000 | 206,794,000 |
| Noninterest-bearing deposits | 27,127,000 | 27,143,000 | 28,028,000 | 29,657,000 |
| Equity capital | 26,304,000 | 26,590,000 | 27,267,000 | 26,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,948,000 | 5,821,000 | 8,656,000 | 11,393,000 |
| Interest expense | 579,000 | 1,146,000 | 1,689,000 | 2,201,000 |
| Net interest income | 2,369,000 | 4,675,000 | 6,967,000 | 9,192,000 |
| Noninterest income | 550,000 | 1,136,000 | 1,762,000 | 2,363,000 |
| Noninterest expense | 1,949,000 | 3,829,000 | 5,805,000 | 7,631,000 |
| Provision for loan losses | 165,000 | 630,000 | 740,000 | 1,850,000 |
| Pretax income | 805,000 | 1,352,000 | 2,184,000 | 2,149,000 |
| Income tax | 265,000 | 548,000 | 699,000 | 583,000 |
| Net income | 540,000 | 804,000 | 1,485,000 | 1,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,577,000 | 24,842,000 | 25,274,000 | 25,064,000 |
| Total capital | 26,808,000 | 27,123,000 | 27,593,000 | 27,439,000 |
| Risk-weighted assets | 184,747,000 | 188,357,000 | 192,233,000 | 196,661,000 |