Call reports 2014
BANK & TRUST COMPANY — 2014
What BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 263,348,000 | 270,023,000 | 265,254,000 | 267,304,000 |
| Total loans | 176,058,000 | 181,773,000 | 184,729,000 | 193,174,000 |
| Allowance for loan losses | 3,743,000 | 4,085,000 | 4,075,000 | 4,080,000 |
| Securities available for sale | 72,688,000 | 74,175,000 | 68,456,000 | 63,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,372,000 | 226,883,000 | 220,467,000 | 225,933,000 |
| Interest-bearing deposits | 198,201,000 | 195,402,000 | 191,289,000 | 194,065,000 |
| Noninterest-bearing deposits | 30,171,000 | 31,481,000 | 29,178,000 | 31,868,000 |
| Equity capital | 26,722,000 | 27,432,000 | 27,636,000 | 28,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,592,000 | 5,347,000 | 8,040,000 | 10,756,000 |
| Interest expense | 348,000 | 659,000 | 955,000 | 1,246,000 |
| Net interest income | 2,244,000 | 4,688,000 | 7,085,000 | 9,510,000 |
| Noninterest income | 440,000 | 979,000 | 1,498,000 | 2,065,000 |
| Noninterest expense | 2,085,000 | 4,239,000 | 6,387,000 | 8,528,000 |
| Provision for loan losses | 165,000 | 240,000 | 240,000 | 240,000 |
| Pretax income | 434,000 | 1,188,000 | 1,962,000 | 2,813,000 |
| Income tax | 120,000 | 371,000 | 630,000 | 871,000 |
| Net income | 314,000 | 817,000 | 1,332,000 | 1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,241,000 | 26,644,000 | 26,910,000 | 27,344,000 |
| Total capital | 28,469,000 | 28,929,000 | 29,203,000 | 29,714,000 |
| Risk-weighted assets | 184,618,000 | 188,883,000 | 189,547,000 | 195,800,000 |
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