Call reports 2015
BANK & TRUST COMPANY — 2015
What BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 267,956,000 | 271,820,000 | 271,725,000 | 281,054,000 |
| Total loans | 193,064,000 | 200,321,000 | 200,485,000 | 201,440,000 |
| Allowance for loan losses | 4,066,000 | 3,921,000 | 4,274,000 | 4,178,000 |
| Securities available for sale | 61,423,000 | 60,573,000 | 58,557,000 | 65,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,117,000 | 233,973,000 | 231,599,000 | 239,803,000 |
| Interest-bearing deposits | 197,078,000 | 201,921,000 | 200,392,000 | 205,487,000 |
| Noninterest-bearing deposits | 34,039,000 | 32,052,000 | 31,207,000 | 34,316,000 |
| Equity capital | 28,536,000 | 28,750,000 | 28,925,000 | 29,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,640,000 | 5,341,000 | 8,066,000 | 10,820,000 |
| Interest expense | 296,000 | 609,000 | 957,000 | 1,335,000 |
| Net interest income | 2,344,000 | 4,732,000 | 7,109,000 | 9,485,000 |
| Noninterest income | 461,000 | 1,002,000 | 1,553,000 | 2,104,000 |
| Noninterest expense | 2,150,000 | 4,271,000 | 6,417,000 | 8,555,000 |
| Provision for loan losses | 0 | 45,000 | 75,000 | 75,000 |
| Pretax income | 655,000 | 1,418,000 | 2,231,000 | 3,020,000 |
| Income tax | 218,000 | 483,000 | 767,000 | 878,000 |
| Net income | 437,000 | 935,000 | 1,464,000 | 2,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,704,000 | 28,202,000 | 28,330,000 | 28,857,000 |
| Total capital | 30,131,000 | 30,726,000 | 30,908,000 | 31,478,000 |
| Risk-weighted assets | 192,555,000 | 200,575,000 | 204,571,000 | 208,176,000 |