Call reports 2022
BANK & TRUST COMPANY — 2022
What BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 439,765,000 | 438,540,000 | 444,626,000 | 446,299,000 |
| Total loans | 259,779,000 | 268,289,000 | 278,514,000 | 281,822,000 |
| Allowance for loan losses | 5,009,000 | 5,063,000 | 5,128,000 | 5,287,000 |
| Securities available for sale | 151,996,000 | 154,036,000 | 146,829,000 | 138,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,740,000 | 368,767,000 | 379,202,000 | 385,310,000 |
| Interest-bearing deposits | 294,832,000 | 285,784,000 | 302,949,000 | 303,687,000 |
| Noninterest-bearing deposits | 77,908,000 | 82,983,000 | 76,253,000 | 81,623,000 |
| Equity capital | 38,525,000 | 36,888,000 | 34,801,000 | 37,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,348,000 | 6,874,000 | 10,676,000 | 14,765,000 |
| Interest expense | 379,000 | 772,000 | 1,272,000 | 1,886,000 |
| Net interest income | 2,969,000 | 6,102,000 | 9,404,000 | 12,879,000 |
| Noninterest income | 643,000 | 1,404,000 | 2,067,000 | 2,649,000 |
| Noninterest expense | 2,484,000 | 4,866,000 | 7,282,000 | 9,776,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | -131,000 |
| Pretax income | 1,047,000 | 2,469,000 | 3,928,000 | 5,759,000 |
| Income tax | 262,000 | 617,000 | 982,000 | 1,426,000 |
| Net income | 785,000 | 1,852,000 | 2,946,000 | 4,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,855,000 | 43,921,000 | 45,016,000 | 46,403,000 |
| Total capital | 46,326,000 | 47,516,000 | 48,734,000 | 50,148,000 |
| Risk-weighted assets | 276,166,000 | 286,193,000 | 296,072,000 | 298,087,000 |