Call reports 2021
BANK & TRUST COMPANY — 2021
What BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 442,060,000 | 419,204,000 | 414,054,000 | 429,447,000 |
| Total loans | 256,549,000 | 245,497,000 | 260,617,000 | 261,576,000 |
| Allowance for loan losses | 4,787,000 | 4,761,000 | 4,838,000 | 4,768,000 |
| Securities available for sale | 107,293,000 | 124,832,000 | 120,316,000 | 133,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,550,000 | 352,646,000 | 346,666,000 | 362,011,000 |
| Interest-bearing deposits | 304,663,000 | 283,601,000 | 280,055,000 | 284,732,000 |
| Noninterest-bearing deposits | 69,887,000 | 69,045,000 | 66,611,000 | 77,279,000 |
| Equity capital | 40,848,000 | 41,714,000 | 42,306,000 | 42,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,718,000 | 7,198,000 | 10,493,000 | 13,875,000 |
| Interest expense | 735,000 | 1,345,000 | 1,826,000 | 2,228,000 |
| Net interest income | 2,983,000 | 5,853,000 | 8,667,000 | 11,647,000 |
| Noninterest income | 767,000 | 1,496,000 | 2,308,000 | 3,012,000 |
| Noninterest expense | 2,325,000 | 4,627,000 | 6,930,000 | 9,317,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,335,000 | 2,542,000 | 3,775,000 | 4,982,000 |
| Income tax | 387,000 | 737,000 | 1,095,000 | 1,185,000 |
| Net income | 948,000 | 1,805,000 | 2,680,000 | 3,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,221,000 | 40,078,000 | 40,953,000 | 42,069,000 |
| Total capital | 42,696,000 | 43,329,000 | 44,327,000 | 45,528,000 |
| Risk-weighted assets | 276,744,000 | 258,649,000 | 268,514,000 | 275,487,000 |