Call reports 2012
CENTRAL BANK AND TRUST CO. — 2012
What CENTRAL BANK AND TRUST CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 237,135,000 | 239,380,000 | 252,742,000 | 255,352,000 |
| Total loans | 142,501,000 | 141,896,000 | 149,159,000 | 159,157,000 |
| Allowance for loan losses | 3,181,000 | 3,561,000 | 3,861,000 | 3,622,000 |
| Securities available for sale | 49,204,000 | 49,790,000 | 56,188,000 | 50,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,187,000 | 207,780,000 | 219,470,000 | 222,661,000 |
| Interest-bearing deposits | 169,343,000 | 178,624,000 | 180,586,000 | 188,313,000 |
| Noninterest-bearing deposits | 35,844,000 | 29,156,000 | 38,884,000 | 34,348,000 |
| Equity capital | 22,633,000 | 22,260,000 | 22,625,000 | 22,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,392,000 | 4,840,000 | 7,284,000 | 9,747,000 |
| Interest expense | 379,000 | 698,000 | 1,015,000 | 1,321,000 |
| Net interest income | 2,013,000 | 4,142,000 | 6,269,000 | 8,426,000 |
| Noninterest income | 550,000 | 1,272,000 | 1,733,000 | 2,292,000 |
| Noninterest expense | 1,786,000 | 3,559,000 | 5,360,000 | 7,106,000 |
| Provision for loan losses | 425,000 | 808,000 | 1,109,000 | 1,508,000 |
| Pretax income | 352,000 | 1,047,000 | 1,533,000 | 2,104,000 |
| Income tax | 14,000 | 42,000 | 60,000 | 83,000 |
| Net income | 338,000 | 1,005,000 | 1,473,000 | 2,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,961,000 | 21,536,000 | 21,891,000 | 21,704,000 |
| Total capital | 24,078,000 | 23,665,000 | 24,085,000 | 23,945,000 |
| Risk-weighted assets | 168,309,000 | 168,879,000 | 173,827,000 | 177,889,000 |