Call reports 2019
BANK & TRUST COMPANY — 2019
What BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 331,699,000 | 327,279,000 | 341,286,000 | 346,631,000 |
| Total loans | 232,872,000 | 233,750,000 | 243,422,000 | 251,557,000 |
| Allowance for loan losses | 3,719,000 | 3,700,000 | 3,810,000 | 3,785,000 |
| Securities available for sale | 74,534,000 | 79,257,000 | 83,122,000 | 77,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,120,000 | 277,168,000 | 288,033,000 | 293,662,000 |
| Interest-bearing deposits | 242,656,000 | 236,132,000 | 244,145,000 | 249,327,000 |
| Noninterest-bearing deposits | 40,464,000 | 41,036,000 | 43,888,000 | 44,335,000 |
| Equity capital | 34,212,000 | 35,525,000 | 36,197,000 | 36,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,532,000 | 7,181,000 | 10,940,000 | 14,726,000 |
| Interest expense | 764,000 | 1,598,000 | 2,480,000 | 3,399,000 |
| Net interest income | 2,768,000 | 5,583,000 | 8,460,000 | 11,327,000 |
| Noninterest income | 515,000 | 1,097,000 | 1,726,000 | 2,426,000 |
| Noninterest expense | 2,218,000 | 4,379,000 | 6,541,000 | 8,734,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 460,000 |
| Pretax income | 975,000 | 2,119,000 | 3,373,000 | 4,557,000 |
| Income tax | 244,000 | 530,000 | 843,000 | 1,191,000 |
| Net income | 731,000 | 1,589,000 | 2,530,000 | 3,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,143,000 | 35,001,000 | 35,492,000 | 36,178,000 |
| Total capital | 37,187,000 | 37,989,000 | 38,609,000 | 39,410,000 |
| Risk-weighted assets | 242,879,000 | 238,380,000 | 248,714,000 | 258,029,000 |