Call reports 2023
BANK & TRUST COMPANY — 2023
What BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 446,934,000 | 455,407,000 | 457,601,000 | 471,841,000 |
| Total loans | 285,377,000 | 297,229,000 | 304,167,000 | 314,202,000 |
| Allowance for loan losses | 5,523,000 | 5,578,000 | 5,650,000 | 5,666,000 |
| Securities available for sale | 137,918,000 | 133,785,000 | 128,635,000 | 128,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,158,000 | 385,566,000 | 382,895,000 | 402,638,000 |
| Interest-bearing deposits | 303,129,000 | 311,534,000 | 314,024,000 | 332,697,000 |
| Noninterest-bearing deposits | 80,029,000 | 74,032,000 | 68,871,000 | 69,941,000 |
| Equity capital | 39,225,000 | 39,796,000 | 39,081,000 | 42,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,221,000 | 8,838,000 | 13,735,000 | 18,933,000 |
| Interest expense | 679,000 | 1,716,000 | 3,076,000 | 4,887,000 |
| Net interest income | 3,542,000 | 7,122,000 | 10,659,000 | 14,046,000 |
| Noninterest income | 540,000 | 1,104,000 | 1,683,000 | 2,088,000 |
| Noninterest expense | 2,635,000 | 5,348,000 | 7,921,000 | 10,059,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,387,000 | 2,770,000 | 4,253,000 | 5,847,000 |
| Income tax | 361,000 | 720,000 | 1,106,000 | 1,490,000 |
| Net income | 1,026,000 | 2,050,000 | 3,147,000 | 4,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,101,000 | 48,125,000 | 49,022,000 | 48,533,000 |
| Total capital | 51,186,000 | 52,082,000 | 53,044,000 | 52,663,000 |
| Risk-weighted assets | 325,426,000 | 314,940,000 | 320,190,000 | 328,876,000 |