Call reports 2020
BANK & TRUST COMPANY — 2020
What BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 356,815,000 | 394,237,000 | 397,134,000 | 417,487,000 |
| Total loans | 245,592,000 | 261,635,000 | 267,814,000 | 265,125,000 |
| Allowance for loan losses | 3,855,000 | 3,924,000 | 5,437,000 | 4,683,000 |
| Securities available for sale | 91,004,000 | 93,569,000 | 89,952,000 | 88,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,485,000 | 330,521,000 | 333,808,000 | 354,180,000 |
| Interest-bearing deposits | 253,573,000 | 273,887,000 | 278,295,000 | 292,882,000 |
| Noninterest-bearing deposits | 46,912,000 | 56,634,000 | 55,513,000 | 61,298,000 |
| Equity capital | 38,262,000 | 39,465,000 | 39,841,000 | 40,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,818,000 | 7,419,000 | 11,469,000 | 14,941,000 |
| Interest expense | 925,000 | 1,813,000 | 2,648,000 | 3,459,000 |
| Net interest income | 2,893,000 | 5,606,000 | 8,821,000 | 11,482,000 |
| Noninterest income | 598,000 | 1,262,000 | 2,225,000 | 3,153,000 |
| Noninterest expense | 2,295,000 | 4,565,000 | 6,803,000 | 9,018,000 |
| Provision for loan losses | 90,000 | 180,000 | 1,751,000 | 2,141,000 |
| Pretax income | 1,106,000 | 2,123,000 | 2,494,000 | 3,478,000 |
| Income tax | 289,000 | 555,000 | 652,000 | 984,000 |
| Net income | 817,000 | 1,568,000 | 1,842,000 | 2,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,695,000 | 37,346,000 | 37,620,000 | 38,272,000 |
| Total capital | 39,938,000 | 40,717,000 | 41,119,000 | 41,784,000 |
| Risk-weighted assets | 258,888,000 | 269,200,000 | 278,056,000 | 279,817,000 |