Call reports 2016
BANK & TRUST COMPANY — 2016
What BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 283,487,000 | 283,459,000 | 284,685,000 | 286,253,000 |
| Total loans | 200,205,000 | 201,274,000 | 200,921,000 | 196,903,000 |
| Allowance for loan losses | 4,169,000 | 4,220,000 | 4,167,000 | 4,083,000 |
| Securities available for sale | 70,947,000 | 71,425,000 | 70,582,000 | 77,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,766,000 | 238,105,000 | 241,647,000 | 242,447,000 |
| Interest-bearing deposits | 204,897,000 | 201,032,000 | 204,951,000 | 204,999,000 |
| Noninterest-bearing deposits | 36,869,000 | 37,073,000 | 36,696,000 | 37,448,000 |
| Equity capital | 29,692,000 | 30,571,000 | 30,605,000 | 29,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,700,000 | 5,450,000 | 8,172,000 | 10,882,000 |
| Interest expense | 389,000 | 783,000 | 1,183,000 | 1,588,000 |
| Net interest income | 2,311,000 | 4,667,000 | 6,989,000 | 9,294,000 |
| Noninterest income | 463,000 | 985,000 | 1,531,000 | 2,153,000 |
| Noninterest expense | 2,127,000 | 4,188,000 | 6,256,000 | 8,305,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 654,000 | 1,481,000 | 2,328,000 | 3,206,000 |
| Income tax | 221,000 | 511,000 | 810,000 | 1,054,000 |
| Net income | 433,000 | 970,000 | 1,518,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,091,000 | 29,628,000 | 29,826,000 | 30,286,000 |
| Total capital | 31,703,000 | 32,237,000 | 32,454,000 | 32,893,000 |
| Risk-weighted assets | 207,430,000 | 207,151,000 | 208,765,000 | 207,112,000 |